☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Banks›
First US Bank (AL)

iAdvertiser Disclosure

First US Bank (AL) Rates & Review October 2026

Q: How many branches does First US Bank (AL) operate?

First US Bank (AL) currently maintains approximately 16 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First US Bank (AL) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First US Bank (AL) provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

First US Bank (AL)'s top rate as of October 7, 2026 is 2.27% APY on checking, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of First US Bank (AL) with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.34%. Rates last updated and verified on 10/07/2026.

First US Bank (AL) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First US Bank (AL)? Share your experience about First US Bank (AL) by leaving a review below, or read customer reviews before you decide to use First US Bank (AL).

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.34%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First US Bank

3291 Highway 280 E
Birmingham, AL 35243

https://www.fusb.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First US Bank (AL) Checking Rates

Product	Rate	APY
FirstLink Gold Checking	2.25%	2.27%
Min Deposit $100 Min Balance $500 Details Qualifications Required: Receive e-statements, and post and clear at least nine debit card transactions and one direct deposit or ACH debit; Maintain CD balances totaling at least $50,000 with First US Bank; or Maintain outstanding loan balances totaling at least $20,000 with First US Bank; Earn 2.27% APY on your first $30,000; Refund up to $20 in ATM fees per month; The portion of account balance over $30,000 will earn an interest rate of .50%; the APY for this tier will range from 2.27% to 1.03% depending on account balance; If the daily balance falls below $500 or you opt for paper statements, the monthly fee is $7.50. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.34%
FirstLink Platinum Checking	2.25%	2.27%
Min Deposit $100 Min Balance $1,000 Details Qualifications Required: Post and clear at least nine debit card transactions and one direct deposit or ACH debit; Maintain CD balances totaling at least $50,000 with First US Bank; or Maintain outstanding loan balances totaling at least $20,000 with First US Bank; Earn 2.27% APY on your first $30,000; Refund up to $20 in ATM fees per month; The portion of account balance over $30,000 will earn an interest rate of .50%; the APY for this tier will range from 2.27% to 1.03% depending on account balance; If the daily balance falls below $1,000, the monthly fee is $10.00. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.34%

First US Bank (AL) Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.25%	10 years
Details Intro/promo APR: 4.99%; Intro rate expires: 6 months; Regular APR: 6.25% to 8.75% based on current index value. Minimum interest rate floor is 4.00% and maximum APR is 18.00%. $100 HELOC maintenance fee will be assessed annually. Advances may be obtained for 10 years. During this period, minimum monthly payment will be equal to accrued interest and finance charges. Minimum monthly payments will not reduce the outstanding principal balance and will result in a balloon payment. At maturity, you will be required to pay the entire balance in a single payment. On new loans or renewals after 18 months, lender will pay up to $1,000 of closing costs if you obtain an initial advance of at least $10,000 within 30 days of closing and maintain an outstanding balance of at least $10,000 or for a minimum of 365 days from the date of closing. If these conditions are not met, lender will charge or debit the HELOC for the amount of closing costs paid by lender. Subject to credit approval and Last Updated 10/07/2026 Rate History 1 change since Sep 29, 2026 · 4.99% → 6.25% ▲ 1.26 pts · high 6.25% / low 4.99% Oct 7, 20266.25%▲ from 4.99% Sep 29, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.34%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First US Bank (AL)’s Texas Ratio fell from 3.21% in Q3 2023 to 1.34% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	1.34%	5.0	A+
March 31, 2026	$1.2B	1.68%	5.0	A+
December 31, 2025	$1.2B	1.49%	5.0	A+
September 30, 2025	$1.1B	2.03%	5.0	A+
June 30, 2025	$1.1B	3.45%	5.0	A+
March 31, 2025	$1.1B	4.60%	5.0	A+
December 31, 2024	$1.1B	5.14%	5.0	A+
September 30, 2024	$1.1B	6.19%	5.0	A
June 30, 2024	$1.1B	2.82%	5.0	A+
March 31, 2024	$1.1B	2.94%	5.0	A+
December 31, 2023	$1.1B	3.02%	5.0	A+
September 30, 2023	$1.1B	3.21%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First US Bank (AL) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First US Bank (AL) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First US Bank (AL)'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First US Bank (AL)

Bank Holding Company FIRST US BANCSHARES INC

Address 3291 Highway 280 E, Birmingham, AL 35243 · Jefferson

Website https://www.fusb.com

FDIC Certificate # 17077

Established 19520121

FDIC Insurance Date 19520121

Domestic Offices 16

Total Branches 16

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.34%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7685%

Return on Equity (ROE) 8.1200%

Non-Performing Loans (NPL) 0.11%

Total Assets $1,147,614,000

Total Deposits $1,004,093,000

Equity Capital $109,245,000

Net Income $4,442,000

Headquarters Birmingham

Total Branches and Offices 16

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First US Bank (AL) earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/first-us-bank-rates-review-17077">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for First US Bank (AL) yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First US Bank (AL)

Frequently Asked Questions About First US Bank (AL)

How many branches does First US Bank (AL) operate?

First US Bank (AL) currently maintains approximately 16 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First US Bank (AL) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First US Bank (AL) provides members with tools to manage their accounts and build a solid financial history.

Does First US Bank (AL) offer online and mobile banking?

Most modern institutions like First US Bank (AL) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fusb.com.