Through a variety of LOANS and ACCOUNTS, we provide the tools to keep your financial life on track:

Automotive Financing - We can assist you with your new or used car, truck, SUV or van. For new cars we can do up to 100% financing for qualified members. For used cars we can go up to 100% NADA average retail value. Depending on the amount, credit, and age of the car, we can finance up to 72 months. Your loan payments can be automatically paid electronically with payroll deduction or direct deposit. Low cost GAP, warranty, and credit life and disablity insurance is also available. Call 205-833-3556 for further information.

Personal Loans - We offer loans up to $5000 which are unsecured to meet your general needs. We can help consolidate medical bills, assist in helping you to manage debt that has high interest rates and potential late fees, planning a vacation, the purchase of furniture, and automobile repais, among other uses.

Small Business Loans - We can help you get started with your dream of owning your own business. Our small business loans are personal loans that can be used for business purposes.

Crunch Loan - Are you feeling the credit crunch? Need immediate cash? Maybe the car broke down or the water pipes burst - whatever the reason, don't turn to the payday and title lenders! We may be able to help you with our affordable crunch loan program. You may borrow up to 25% of your gross monthly income up to $500. The minimum amount to borrow is $100 (Interest rate: 18%).

Download NRSCDFCU Loan Application now. Next, come in with your completed application to our main branch to join or apply.

For interest rate information, contact a representative.

Main Branch (205) 833-3556

Fax (205) 833-1966

Mailing Address: P.O. Box 130520 Birmingham, Alabama 35213

Eunice J. Rogers, CEO/Treasurer

Anquenette Stephens, Board Chairperson.