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Alabama 1st Capital Credit Union serves our membership with products for every need in your lifestyle.
Savings accounts, Chrsitmas Club accounts, CD'S or loans for almost any need.
Alabama 1st Capital Credit Union is Here for You.
Federal Share Insurance
Backed by the Full Faith and Credit of the U.S. Government
The shares in your credit union are insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration (NCUA).
Your share insurance is similar to the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC).
To read the Federal Share Insurance brochure, click here.
LOANS
If you need a loan, you've come to the right place!
Alabama 1st Capital Credit Union offers car loans, recreational loans, mortgages, home equity loans, and more!
Of course we have Visa cards and signature loans as well.
Our loan system rewards you for using the credit union.
You can earn a 1/4% discount on qualifying loan products if you have the following:
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Checking Account
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Home Equity or Mortgage Loan
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Direct Deposit
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Visa Card
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CD
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IRA
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Contact our Loan Department if you have any questions.
All loans are subject to credit approval.
Or, click here for our loan applications
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SAVINGS ACCOUNTS
Alabama 1st Capital Credit Union offers a variety of savings accounts.
Open your account with a minimum deposit of $25.00.
Save for that long awaited vacation, or set up an account for your child or grandchild through our Kid’s Adventure Club!
Need money for Christmas shopping, but just find that you haven’t prepared ahead of time?
Let Alabama 1st Capital Credit Union’s Christmas Club account help you save throughout the year for that much-needed cash in December!
Our Christmas Club accounts pay monthly dividends as determined by your Board of Directors.
The minimum deposit to open a Christmas Club account is $25.00.
You will be permitted one free withdrawal from this account.
Subsequent withdrawals incur a $5.00 fee.
Whether young, middle-aged, or young at heart, we have a savings plan to fit your needs!
CHECKING ACCOUNTS
Alabama 1st Capital Credit Union believes in convenience and value. Need proof?
Look at our checking accounts.
Our regular checking account comes with:
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no monthly service charge
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no set number of checks per month
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24-hour Automated Teller Machine service access across the Southeast
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free overdraft protection
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All of our checking accounts earn interest
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Our Checking account comes with 24-hour Automated Teller Machine service
through Star, Honor, Gateway, Plus, and other networks
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EZ Teller allows 24-hour telephone access to your account
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And...if you're age 50 or older, we'll give you one free box of checks per year!
That's our "golden" gift to you!
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Click here to order checks online
CDs and IRAs
Alabama 1st Capital Credit Union offers regular IRA, SEP IRA, Roth, and Education IRAs.
Our members may deposit into an IRA savings or certificate of deposit(CD).
Please check our website for additional information.
CDs – With a minimum deposit of $1000, you’ll earn high dividends from our certificates of deposits.
Traditional IRA – offers tax-deferred earnings and the possibility of tax-deductible contributions. Share or certificate.
Roth IRA – funded by non-deductible contributions, but gives owners the opportunity for tax-free withdrawals. Share or CD.
Education IRA – Enables parents and others to deposit $500.00 per year to be used for educational purposes.
Earnings grow tax-free if you meet the income requirements. Share or CD.
And don’t forget - - having either an IRA or CD with Alabama 1st Capital Credit Union will entitles you to a 1/4% loan discount from our already low rates!
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