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Checking Accounts

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.

  • No minimum deposit to open
  • Free online services
  • Free VISA debit card
  • Overdraft protection is available with credit approval
  • No monthly fee with e-statements; $3.00/month without e-statements
  • Direct deposit
  • Unlimited check writing capabilities

Need to reorder checks? Click here.

All of your credit union accounts are insured with NCUA up to at least $250,000.


Savings Accounts

Membership Share Savings Account

Credit union membership begins with a savings account.  A $25.00 deposit opens your savings account, which establishes your membership and enables you to take advantage of all our financial products and services. It also makes you a member-owner of Birmingham City Credit Union with voting privileges. All member-owners have the same voting privileges, regardless of how much money is in their accounts. 

You can make one withdrawal a month from your savings account; additional withdrawals a month incur a $2.00 fee. See our current rates and fees here.

All of your credit union accounts are insured with NCUA up to at least $250,000.


Kids Club Savings Account

Teach children or grandchildren the value of saving with a special account just for them. Open one with an initial deposit of $25.00, and watch them get rewarded for reaching savings milestones. Or open one as a newborn gift and use it to begin saving for their college education, wedding or any future life plans.

All of your credit union accounts are insured with NCUA up to at least $250,000.


Christmas or Vacation Club Account

Our Club Accounts allow you to save gradually for any type of annual expense. With regular contributions and competitive dividends, your nest egg will grow quickly and easily. You can make one withdraw a year with no fee, the second withdraw within the same year there will be a $10.00 fee. 

All of your credit union accounts are insured with NCUA up to at least $250,000.


Certificates of Deposit (CDs)

CDs earn fixed rates and are backed by the NCUA. Simply choose your term, then lock in your rate and watch your investment grow.

  • Minimum deposit of $500.00 to open
  • Savings with guaranteed returns
  • Earn competitive fixed rates
  • Terms vary from 3 months to 5 years
  • Longer terms earn higher rates
  • Penalty for early withdrawal

See our current rates.


Individual Retirement Accounts (IRAs)

Let us help you plan for retirement with our new Traditional and Roth IRAs. With affordable minimum deposits, tax-deductible contributions and tax-deferred earnings,* IRAs are an important part of any retirement plan. Talk to a Member Service Representative today and take control of your retirement.

Traditional IRA:

  • No income limits to open
  • No minimum contribution in any year
  • Contributions are tax deductible on state and federal income tax*
  • Earnings are tax deferred until withdrawal
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty*
  • Mandatory withdrawals begin at age 73

Roth IRA:

  • Income limits to be eligible to open
  • Contributions are not tax deductible
  • Earnings are 100% tax free at withdrawal*
  • Principal contributions can be withdrawn without penalty*
  • Withdrawals on interest can begin at age 59½
  • Early withdrawals on interest subject to penalty*
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income