About Us

“1st Resource Credit Union is a financial cooperative institution formed for the purpose of savings, offering loans and providing a wide range of financing and related services to its members at competitive prices.”

1st Resource Credit Union

…is an independent full service financial institution that provides credit union services to everyone that lives, works, and worships in Jefferson and Montgomery counties in the state of Alabama. 1st Resource Credit Union is a member owned financial institution controlled by its Board of Directors that are duly elected by its Field of Membership.

Board members, Supervisory Committee members, and Loan Committee members are non-compensated elected volunteers of the Credit Union.

As a policy, 1st Resource Credit Union does not share information concerning its membership with any outside third parties as explained in detail in the Privacy Policy disclosed on this web site.

1st Resource Credit Union is a State of Alabama chartered credit union and is insured by the National Credit Union Administration.

This web site is designed solely as an informational tool for members and potential members of 1st Resource Credit Union.


Membership to 1st Resource Credit Union is open to all individuals who live, work, and worship in Jefferson and Montgomery counties in the State of Alabama. 1st Resource Credit Union also provides credit union services to the following employer groups, Alagasco and the Energen Corporation. Membership requires an eligible person to deposit $5.00 dollars into a Share account. Potential members that join the Credit Union are voted on and approved by the Board of Directors at their monthly Board meeting. Each member that has a Share account with the Credit Union is considered an owner of the Credit Union and has voting rights at any called meeting of the membership and has a claim to the Net Worth of the Credit Union. A member can lose his voting rights by causing the Credit Union a loss on a loan and at that point he /she is deemed to be ‘Not in good standing’.

The National Credit Union Administration (NCUA) insures each member account up to $250,000.

1st Resource Credit Union is a ‘not for profit’ cooperative financial institution.

For more information concerning credit unions visit NCUA’s web site at: ncua.gov.

Member Benefits

All members in good standing have ownership and voting rights at 1st Resource Credit Union and the specific benefits of membership include:

– Nation Wide Branching Through Credit Union Service Center Network
– Direct Deposit
– Savings Accounts
– Above National Average Savings Rates
– Christmas Club Accounts
– Certificates of Deposits
– IRA’s including Traditional and Roth
– Checking Accounts
– Free Debit Cards
– Free Home Banking
– Free Bill Pay
– Free Mobile Banking
– Free e-Documents Service
– Safe Deposit Box Rentals
– ATM’s at select Energen/Alagasco Break Rooms
– Free Notary Service

– Money Wire Services
– Below National Average Loan Rates
– Real Estate Loans
– Real Estate Lines of Credit
– New Car Loans
– Used Car Loans
– Classic Car Loans
– Boat Loans
– Motorcycle Loans
– Farm Equipment Loans
– ATV Loans
– Horse Trailer Loans
– RV Loans
– Christmas Loans
– Signature Loans
– Signature Lines of Credit
– Visa Classic Cards
– Visa Platinum Cards
– Electronic Loan Services

Interested In Becoming A Member?


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

To join 1st Resource Credit Union, please download, print and complete the Account Card. After filling out the Account Card, please visit or U.S. mail the card to one of our offices. Also, send along a copy of your valid photo identification (Driver’s License) of each party wanting to join to:

1st Resource Credit Union

           47 W Oxmoor Rd        or       2914 Chestnut Street         

            Birmingham, AL 35209             Montgomery, AL  36107             

Also, you will need to deposit $5.00 into the account. Please do not send in cash.

*Note: Please complete fully the membership card including all necessary signatures of joining members. Do not fill out the section for Member No: or Password.

Download Member Account Card