Current Rates

EBSCO Credit Union makes all types of consumer loans:

  • New and used vehicle
  • Boat, personal watercraft and motorcycle loans
  • RV and motorhome loans
  • Personal lines of credit (signature loan)
  • Debt consolidation

We also offer a range of real estate loans:
1st and 2nd mortgages
HELOC (home equity line of credit)

Call or e-mail Credit Union for current rates.

Loans are subject to creditworthiness and debt ratio. Loan payments are payroll deducted, deposited into your savings account and held until the last business day of the month, at which time it automatically transfers to the loan.

AUTO RATES (New & Slightly Used)

Current Promotion…January 2016

Rates start as low as:

1.99% for 36 months

2.50% for 48 months….we can go up to 72 months

subject to change — call or email us for current rates and more details


Need a Carfax? Let US show you the CARFAX today at a reduced rate of $29.99. That’s $10.00 less than the online price. All we need is the VIN. EMAIL us today.

Contact Info // The Credit Union office is located in EBSCO's International Headquarters in Birmingham, Alabama.

Online Banking

Hours: 8 a.m. to 4 p.m. CST
Monday through Friday

E-Mail: Credit Union
Manager's e-mail: Wayne Russell

Services for Members

Phone: (205) 991-1106 or
Out of town: (800) 683-2102
Fax: (205) 995-1615

Downloads & Resources

Physical Address: 5724 Highway 280 E.
Birmingham, AL 35242
Mailing Address: P.O. Box 1943
Birmingham, AL 35201-1943