Products and Services                        Convenience Services Free Checking. Enjoy all the privileges of a checking account at no charge to you.  There is no minimum balance and no per item charge. You also have access to  24-hour telephone teller and internet access for inquiries and transfers at no charge. Your account provides for direct deposit of net pay, payroll deduction and VISA DEBIT CARD service. Internet Banking.  Online access is available 24 hours a day, 7 days a week for your convenience.  You may access account information, transfer funds between your credit union accounts, confirm deposits, plus a whole lot more.  Click here for account access.  Telephone Banking.  Access your account balances, transfer funds between accounts, make a loan payment, request a withdrawal by dialing 1-866-726-1498 for telephone banking.  After Hours Depository. For your convenience, an after hours depository is located in New Pilgrim Baptist Church, 708 Goldwire Place, SW, Birmingham, AL .  When you're attending prayer meetings, bible studies, rehearsals or after worship, the depository is available for your deposits and loan payments.               Savings and Investment Services  Savings(Share) Accounts. Come by and let us help you design a savings program where you can  maximize your savings and dividends to  achieve your dreams and goals.    Certificates of Deposit Accounts (CDs) earn interest at a higher rate than regular savings (Share) accounts. CD Terms are 6 months up to 60 months.  Money Market Accounts.  Earn income with the convenience of check writing.  Minimum deposit of $2,500 with limited check writing.   Children's Accounts.  Teach your children the value of money and how to save.  Special accounts are designed for children.   Christmas Club Accounts.  Let us help you save for your holiday needs.  We'll automatically mail you a check in time for Christmas shopping.   Vacation Savings Accounts.  Save for your dream vacation.  We can design that special account to meet your needs.              Loans  Offered:  New and Used Auto Loans. We make buying a vehicle easy, let us put you behind the wheels today.  Shares Secured Loans.  Why not borrow from your shares at the lowest interest rate while earning dividends on your shares.  We'll show you how to do it.   Personal/Signature Loans.  Yes we offer signature loans.  If you have an emergency, we're here to help you!  Home Improvement Loans.  Whether you need a new roof, new carpet, or a coat of paint, we can help you.  Educational Loans. We can help you send your high school senior to college, or keep your college student in school.   Download a Loan Application and you can fax it in or bring it by today.              Other Services  Notary Service.  Notary Public service is available free of charge to members.  Direct Deposit.  Deposit or recurring payments can be sent directly to your Credit Union checking, savings and loan accounts.   Payroll Deductions.  Deductions can be made from your payroll and deposited directly into your checking, savings or loan accounts.