About NRS Community Development Federal Credit Union

The NRS Community Development Federal Credit Union serves as a community-based financial institution, targeting low income citizens, small businesses, and minority entrepreneurs in the East Lake and surrounding areas of Northeast Birmingham, Alabama.  Our goal is to be a profitable, full service, member-owned financial institution, offering its members convenient, quality service with a personal touch, in a safe and secure avenue for members to conduct their business.  Through a combination of savings, loans, and community-driven reinvestment, the services offered will promote community development, while providing credit and establishing achievable financial goals for the members.

Main Branch (205) 833-3556

Fax (205) 833-1966

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

Brooke Smedley, President/CEO

Ronstead Claughton, Board Chairperson




7400 London Ave S.
Birmingham, Al 35206


(205) 833-3556


Products & Services

Share (savings) accounts

Regular Shares. Our regular share savings program offers members an opportunity to earn dividends on their savings. A regular share is $25.00, and the minimum number of shares required for membership is one. Each account earns dividends as declared by the Board and dividends are paid quarterly. Deposits are federally insured up to $250,000.00 by the NCUA, an agency of the US Government.

Share Draft (Checking) Accounts

We offer a basic checking account with the following benefits:

  • No minimum monthly balance
  • No monthly service charge
  • Online and Telephone Banking
  • Direct Deposit
  • E-Statements
  • Courtesy Pay
  • Works with your computer, tablet and mobile phone

Christmas Club Accounts

Our Christmas club account is set up to assist you with saving for your holiday needs. You may add to it throughout the year either by making deposits or through direct deposit. Christmas club checks are mailed in November. There is a $10.00 penalty for an early withdrawal. To open an account please visit our office.

Direct Deposit

You can have recurring deposits from your employer, Social Security, retirement, disability, etc. to be automatically deposited into your credit union account. Please call the credit union  to get started with direct deposit.


NRSCDFCU offers share certificates at variable terms and rates. Rates are subject to change periodically subject to board approval. The minimum amount to purchase a certificate is $500.00. Deposits are federally insured up to $250,000.00 by NCUA, an agency of the U.S. Government.

Payroll Deductions

Enjoy savingsand/or making a loan payment easy with payroll deduction. You decide how much money you want going into your account, and the money will be automatically deducted from your paycheck and electronically deposited into your account. It is the easiest way to save or make a loan payment. You never have to worry about getting to the credit union. Contact the credit union to request a payroll deduction form.


We must all obey the great law of change. It is the most powerful law of nature.
— Edmund Burke


Let's Chat.

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