New Auto Loans
1st Resource will loan up to 100% of the purchase price of a new auto. The maximum term for a new auto loan is 96 months/eight years.
Used Auto Loans
1st Resource will loan up to 100% of the retail book value on all used autos. A used auto is an auto that has been titled to another owner before. Depending on the year of the auto, the maximum term for financing a used auto is 96 months/eight years.
Real Estate Loans
1st Resource makes fixed and variable 15 and 30 year mortgages. There is no required PMI or MPI on our mortgages. Closing cost can be added back into the amount you finance so you have no out-of-pocket expenses. Mortgage loans can be for purchase or refinance. Rates change daily so please call for our current offering and any additional information you may need.
NMLS # 808395
Home Equity Lines of Credit (HELOC)
Home equity lines are available with both fixed and variable rates. We loan up to 90% of your principle residence, less any mortgages you may have. Terms are available up to 15 years.
VISA® Credit Card
1st Resource offers two different types of VISA® Credit Cards;
VISA® Classic Card with a credit limit up to $5,000.00
VISA® Platinum Card with a credit limit up to $10,000.00
Both cards offer 1.00% cash back annually and a twenty day grace period on interest charges along with no annual card fee and fixed interest rates.
The Classic Card rate is 12.90% APR and the Platinum Card rate is 9.90% APR.
How to Apply for a Loan
To apply for a real estate loan, click on and print the below real estate loan application PDF and fax it to the credit union. To apply for any other loan, click on and print the loan application PDF and fax it to the credit union. Please do not email loan applications. Emails are not a secure form of delivery of your private information.
Fax: (205) 944-1196 to the Birmingham Branch or (334) 263-2138 to the Montgomery Branch.