The Birmingham City Credit Union All Credit Levels is a cdfi lender from Birmingham City Credit Union. The annual fee is $3.00. Rewards: Birmingham City Credit Union offers a free instant-issue VISA debit card and no minimum deposit to open a checking account, along with overdraft protection available with credit approval.. Loan terms: Repayment terms up to 84 months.. This product reports activity to your personal credit report. Birmingham City Credit Union is a financial institution dedicated to helping the hardworking individuals of Birmingham, AL, save money and achieve their financial goals. They offer a range of services including auto loans, credit cards, and checking accounts, with a focus on providing accessible financial solutions to their members. Services include: auto loans, credit cards, personal loans. US Treasury certified CDFI Credit Union in Birmingham, AL. Membership required.