America’s First Federal Credit Union is a not-for-profit financial institution owned by its members. It’s easy to become a member at America’s First. Because America’s First is a community chartered credit union, people can become a member if they live, work, worship or attend school in one of the following counties in Alabama: Bibb, Blount, Chilton, Jefferson, Shelby, St. Clair, or Walker. America’s First Federal Credit Union provides a wide variety of financial products and services that include Birmingham, AL. merchant cash advance loans.