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Hassle-free Holiday Loans

Get everything on your list! October 25th through December 23rd, apply for a hassle-free holiday loan:*

  • No credit check
  • 6-month 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
  • Download the loan application here

Note: If you currently have a Dream Big Loan balance, the amount of your 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 of 10% – 18% with credit committee approval.

Have you downloaded SecurLOCK yet?

In an effort to keep up with the latest fraud protection available, BCCU’s My Mobile Money app will be replaced with SecurLOCK Equip. Your current My Mobile Money app will no longer be active beginning October 19th, so be sure to download the SecurLOCK Equip app.

SecurLOCK Equip is very similar to My Mobile Money, as it is an easy-to-use mobile app that puts the power to protect your debit cards in your hands. It is available to all participating cardholders.


  • Prevent fraud if your card is lost or stolen by turning your card off from your phone.
  • Control spending by setting limits on withdrawals or transactions.
  • Customize spending ability of online, mobile or in-store purchases.
  • Set alert notifications for each time a transaction is made.
  • Block international or out-of-area transactions.

Start using the app in two easy steps:

  1. Download the SecurLOCK Equip app from the Google PlayTM store or the App Store®
  2. Follow the steps to connect your BCCU debit cards.

Talk to a Member Service Representative if you have any questions.

Affected by furloughs?

If you’re a BCCU member affected by the recent city employment furloughs, please email CPlayer@bhamcitycu.org so we can assess your needs. Know that your credit union team and board of directors are researching all options to assist you during this time. As always, we’re here for you and we’re #InThisTogether.

In-Branch Service Safety Guidelines

Please keep these specific guidelines in place when you visit the branch. If you need an in-depth, confidential conversation, we’ll be happy to do that over the phone.

Branch open: Monday- Friday 8:00 am to 4:00 pm

  • 4 persons maximum allowed in lobby
  • Restrooms and office areas not available
  • Confidential discussions by phone only

Remember: Our digital tools and other self-service account access tools are available 24/7!  You can access Birmingham City Credit Union on-line at www.bhamcu.org or via our voice response at 205-583-1139.  You can also use your BCCU debit card surcharge free at any Money Pass ATM or at one of our 4 ATM locations.  To find a Money Pass ATM please visit www.moneypass.com

We’re looking forward to serving everyone safely!

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

708 N 17th Street
Birmingham AL 35203

Call Us at: (205) 583-4654

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

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