Credit Cards · Birmingham, Alabama
12 credit unions in Birmingham report credit card APRs to the NCUA. Rates range from 7.24% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
12
CUs Reporting Rates
7.24%
Lowest Card APR
11.00%
City Average APR
12 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | ECO ★ 3.1 · 14 reviews | 7.24% | 13.16% |
| 2 | AMERICA'S FIRST ★ 4.4 · 302 reviews | 8.30% | 11.51% |
| 3 | LEGACY COMMUNITY ★ 3.9 · 72 reviews | 8.90% | 12.75% |
| 4 | SOCIAL SECURITY ★ 4.0 · 15 reviews | 9.90% | 14.71% |
| 5 | ACIPCO ★ 3.9 · 31 reviews | 9.99% | 10.00% |
| 6 | SOUTHERN ENERGY ★ 3.9 · 46 reviews | 10.00% | 10.90% |
| 7 | AVADIAN ★ 2.8 · 50 reviews | 10.39% | 8.84% |
| 8 | ANG ★ 4.8 · 5 reviews | 10.91% | 12.52% |
| 9 | L&N EMPLOYEES ★ 4.3 · 12 reviews | 11.90% | 15.94% |
| 10 | HEALTH ★ 4.9 · 10 reviews | 13.00% | 13.50% |
| 11 | MUTUAL SAVINGS ★ 2.9 · 43 reviews | 13.42% | 14.82% |
| 12 | ALABAMA CENTRAL ★ 3.1 · 23 reviews | 18.00% | 12.99% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Birmingham could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Birmingham credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.