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Vacation loans will begin on May 13th at 8:00AM and end on June 28th at 11:00AM.

  • No Credit Check
  • 6 month repayment term
  • Payments 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 $500, 12 months for loans up to $1,000, and 18 months for loans up to $1,500.
  • Completed Vacation Loan application.  No online loan applications will be accepted.  Applications available in our office or by clicking here
  • 18% APR and $35.00 Loan application Fee
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 have a Holiday loan balance, the amount of your Vacation 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 of 10% to 18% with loan committee approval.

*Offer valid for BCCU members in good standing.  Not valid for active bankruptcy cases.    Credit Life and Disability insurance available on Vacation Loans.  At least 1 direct deposit per month required (can include payroll deductions).  APR = Annual Percentage Rate.  Subject to change without notice.  All loans subject to approval based on credit.  For proof of income we will only take paycheck stubs for actively employed individuals.  For retirement income, we need the last 30 days of your bank statements.  No exceptions! 

LifeLine Instant Line of Credit

BCCU’s new Lifeline Instant Line of Credit is an affordable solution for unexpected expenses. Accessible 24/7 through our HomeBanking App, this flexible line of credit ensures quick, convenient financial relief whenever it’s needed.

  • Transfer funds instantly, whenever you need them, using our HomeBanking App
  • Minimum of $200 and up to $1,000*
  • Rates as low as 8.99%*
  • Affordable payments of $10 per $100 borrowed, conveniently auto-transferred from your checking or savings account
  • Perfect for unexpected expenses like home or auto repairs, last-minute travel needs, and more!

*Membership eligibility required. BCCU checking account required. All loans subject to approval based on credit. Mobile app download and usage required. Rate may be from 8.99% up to 14% APY. APY = Annual Percentage Yield. Credit Life and Credit Disability Insurance available. Subject to change without notice.

Suspended Driver’s License Loan Program

With a low cost loan to pay your unpaid fines and fees keeping you from driving, BCCU can help you drive again with its Suspended Driver’s License Loan Program.

  • Minimum of $200 and up to $3,000*
  • Rate of 14.0% APY*
  • No minimum credit score required to qualify
  • FREE financial coaching prior to and after getting the loan
  • Payment sent directly to cover unpaid fines or fees

*Membership eligibility required. All loans subject to approval based on credit. All financial coaching sessions are at no cost. Must complete application and provide income verification. Payment will be made directly to fine or fee owed in order to reinstate license, statement or documentation with amount owed and where to send payment will be required. APY = Annual Percentage Yield. Credit Life and Credit Disability Insurance available. Subject to change without notice.

Have you tried our 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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