Products and Services

▼   Share (Savings) Accounts

Share accounts are the basic account of the credit union. Once you have established a share account, you may apply for any of the other services offered by the Credit Union. These accounts earn monthly dividends based upon your balance.

  • Initial $1 membership fee
  • No monthly service charge
  • $25 minimum balance
  • Up to $250,000 insured by the NCUSIF

Download Application here

▼   Share Draft (Checking) Accounts

Our share draft accounts are economical and easy with great benefits.

  • $100 minimum to open an account
  • No minimum balance to maintain
  • Overdraft protection available
  • Overdraft Privilege (courtesy pay) to qualified members
  • No monthly charge for VISA debit cards
  • Regular checking subject to credit approval 
  • No credit approval required for checkless checking
  • Includes bill pay service 
▼   IRAs
Our IRA accounts have competitive rates and are an excellent way to save on taxes. We offer IRA certificates with a selection of terms and IRA club accounts.
▼   Certificates of Deposit
With a minimum deposit, you will receive quarterly dividends from our share certificates. Our rates are competitive. Choose from a selection of terms.
▼   Christmas Club Accounts
These accounts are great in helping to save for the Christmas holidays. Proceeds are automatically transferred in early November into either your share (savings) account or into your share draft (checking) account. Open your Christmas Savings Account at any time. No minimum deposit required.
▼   VISA Credit Cards

Competitive rates and convenient terms with no annual fee.

Please contact the credit union at (251) 706-0255 to request an application.

▼   Loans

Borrow money the smart way! Our loans will save you money with our low rates and simple interest. We offer:

  • Personal Loans
  • Auto Loans
  • Boat Loans
  • RV Loans
  • Share-Secured Loans
  • Motorcycle Loans
  • Home Equity Loans

Log into your USA FCU home banking account to submit an electronic application or download an application to submit via fax or e-mail.   

 Download Application here

▼   Payroll Deduction

Payroll deduction allows you to have a portion of your paycheck automatically deposited into your credit union account. You can also use this method to make payments on your loans here at the Credit Union. It is quick, safe and easy!

▼   Tuition Payment Plan

USAFCU offers USA students an easy way to pay for tuition and fees, housing, meal plans, and books in monthly installments.

Two options are available:

▼   VISA Debit Cards

Access your checking account with a convenient check card instead of carrying a checkbook.  To report a lost or stolen debit card, call 1-800-754-4128

▼   Direct Deposit

Your personal time is important so do not stand in line to deposit your paycheck. Go Direct Deposit. This is the most convenient and safest way for your paycheck to be deposited into your account with immediate availability.


TellSouth is USAFCU's telephone banking system. With TellSouth, you have access to your account 24 hours a day, 7 days a week from any Touch Tone telephone. TellSouth is free and you can conduct many transactions including:

  • Account balance
  • Cleared checks
  • Deposit inquiries
  • Transfers

Download Application here

▼   ATM's

Cash and convenience! No fees when you use your USAFCU ATM or VISA debit card at any of our ATM locations or any CO-OP ATM.

Locate a CO-OP ATM or Shared Branch Location:

▼   Home Banking

Online internet access to your account when you need it, 24 hours a day, 7 days a week. Free bill pay included with checking accounts.

Click here for Home Banking Service

▼   Wire Transfer Services

Domestic and international wires for minimum fees.  Fees are assessed with incoming and outgoing wires.  Contact a credit union representative for additional information.

Domestic wire fee - $10.00

International wire fee - $35.00

▼   Drive-up Windows

Our drive-ups are open from 7:30 a.m. until 5:00 p.m. Monday through Thursday; 7:30 a.m. until 5:30 p.m. on Friday.

▼   Night Depository

Located at our main branch in the first drive-up window.

103 Hillcrest Road
Mobile, Al 36608

▼   Youth Club Accounts
For our young members, ages 0-18, this is an account to save for something special. No minimum deposit required. Dividends are paid monthly.


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