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Treat Yo’ Elf!  Hassle-free Holiday Loans

Apply for a hassle-free holiday loan October 30th through December 22nd and treat yo’ elf!

  • 6-month term and no credit check
  • Payment via payroll deduction available

All you need:*

  • Proof of income for the last 30 days
  • BCCU member in good standing for 6 months for loans up to $1,000, 12 months for loans up to $1,500
  • Loan Application, click here

18% APR, $35.00 Application Fee.  We will not accept applications prior to October 30, 2023.

Loan Amount Bi-Weekly Payment  Monthly Payment
$500.00 $45.00 $98.00
$800.00 $70.00 $152.00
$1,000.00 $86.00 $187.00
$1,500.00 $126.00 $274.00

Note: If you currently have a Vacation loan balance, the amount of our Holiday Loan application will be used to pay that balance, and the remainder will go to you.  Special Consideration will be made with a credit check for a possible lower APR with credit committee approval.

*Offer valid for BCCU members in good standing for at least 6 months prior to application.  Not valid for active bankruptcy cases.  Credit disability and life insurance available on Holiday loans.  APR= Annual percentage rate.  Subject to change without notice.  All loans subject to approval based on credit.

Easy Money Savings Challenge!

Step 1.  SAVE MONEY in an Easy Money Savings Account at BCCU. Open one with just $25 and we’ll even match your first deposit now through June 30th!*

Step 2.  WIN MONEY in monthly and quarterly drawings!* Every $25 you save in your Easy Money Savings Account earns you one entry. Multiple winners each drawing!

  • Three $50 winners each month
  • Two $100 winners each month
  • Three $250 winners each quarter
  • Two $500 winners each quarter
  • One $1,000 winner each quarter

PLUS, Earn additional drawing entries by setting up direct deposit or referring a new BCCU member!

Talk to a Member Service Representative for full details.

Credit Cards

Birmingham City Credit Union has partnered with LSC to offer a credit card option for our members.  Please visit the website below for more information or to apply.  Make sure you mark that you are a member of Birmingham City Credit Union on the application.


Applying for Credit Card


Managing Credit Card Account


Rewards Program


Toll Free Customer Service (M-F) 8:30 – 4:30pm CST 888-415-6154

(After Hours Customer Service) 800-615-1161

24/7 Lost Stolen Reporting 866-604-0381 or 727-570-4881

Have you tried our new mobile app?

Download our mobile banking app to access your account from anywhere.

Just visit the App Store on your Apple or Google Play on your Android device.

We want to say YES to you!

You deserve a great checking account – even if you’ve been turned down for one in the past. Get the convenience and purchasing power you deserve, including a VISA debit card, without all the heavy fees banks charge. Find out more here.


Office Hours

Main Branch

Monday - Friday 8:00 am - 4:00 pm 

Closed all City holidays

2725 35th Ave North
Birmingham AL 35207

Call Us at: (205) 583-4654

Lost or Stolen Visa Debit Card
1-(888) 263-3370

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