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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.

Website

Applying for Credit Card

https://mycucard.com

Managing Credit Card Account

www.ezcardinfo.com

Rewards Program

www.scorecardrewards.com

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

Electronic Signatures Available

Sign your loan documents quickly and securely from anywhere. All you need is a valid email address and you can use your smart phone, computer or tablet to electronically add your signature. No need to take time away from work or home to come to the credit union. Just a few simple clicks and your loan is complete.

Auto Loans

  • Competitive fixed rates as low as 4.75% on new or used vehicles
  • Up to 125% financing available for qualified buyers
  • Repayment terms up to 84 months
  • NADA guide book to determine your car’s value
  • Carfax report so you’ll know the complete history of a used vehicle before buying it
  • Full coverage insurance required on all auto loans
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Quick, local decision-making and processing
  • Check our current rates
  • To complete a Loan Application, click here

Protect Your Car

We offer additional services to help make your driving experience worry-free:

  • GAP Insurance covers the difference between your loan balance and your insurance payoff in case your vehicle is stolen or totaled in an accident
  • Auto deductible reimbursement available with the purchase of all GAP insurance policies which will refund you up to $500.00 of your deductible in the event of an accident
  • Warranty Coverage, or mechanical breakdown protection, picks up where your vehicle’s manufacturer’s warranty ends. 24-hour roadside assistance and tire protection are also available. See details on all our plans here.
  • Credit Disability and Credit Life Insurance offer payment protection and give your family peace of mind in case of death or disability.

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.

Personal Loans

Whether you’re finally taking that dream vacation, making minor home improvements, or financing a college education, our personal loans offer plenty of options to make that dream a reality.

  • Competitive fixed rates as low as 2.25% on share secured loans
  • Competitive fixed rates as low as 10.80% on signature loans
  • Signature loan amounts of $500.00 to $15,000.00, with terms up to 60 months
  • Convenient payments using payroll deduction
  • Quick, local decision-making and processing
  • Check our current rates
  • To complete a Loan Application, click here

Protect Your Loan

Credit Disability and Credit Life Insurance offer payment protection and give your family peace of mind in case of death or disability.