Auto Loans · Alabama
87 credit unions in Alabama report car loan rates to the NCUA. Rates range from 2.36% to 10.75%.
Updated Q1 2026 · NCUA Call Report data
87
CUs Reporting Rates
2.36%
Lowest New Car Rate
5.97%
State Average Rate
52
Cities Covered
87 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NORTH ALABAMA PAPERMAKERS Stevenson | 2.36% | 4.99% |
| 2 | ANG Birmingham | 3.91% | 4.19% |
| 3 | ALABAMA ONE Tuscaloosa | 3.99% | 5.99% |
| 4 | MARVEL CITY BESSEMER | 4.00% | 18.00% |
| 5 | FEDERATION OF GREENE COUNTY EMPL. Eutaw | 4.00% | 8.00% |
| 6 | S R I EMPLOYEES Birmingham | 4.25% | 4.50% |
| 7 | EAST ALABAMA COMMUNITY OPELIKA | 4.25% | 4.25% |
| 8 | MOBILE EDUCATORS MOBILE | 4.49% | 4.49% |
| 9 | BIRMINGHAM CITY Birmingham | 4.50% | 4.75% |
| 10 | CHATTAHOOCHEE VALLEY | 4.50% | 4.50% |
| 11 | MOBILE GOVERNMENT EMP. Mobile | 4.53% | 4.20% |
| 12 | RIVERFALL Tuscaloosa | 4.74% | 6.49% |
| 13 | NORTH ALABAMA EDUCATORS HUNTSVILLE | 4.75% | 4.75% |
| 14 | WCU CREDIT UNION Decatur | 4.75% | 4.75% |
| 15 | MEAD COATED BOARD Eufaula | 4.99% | 8.00% |
| 16 | CITY TUSCALOOSA | 5.00% | 5.00% |
| 17 | LAUDERDALE COUNTY TEACHERS Florence | 5.00% | 5.00% |
| 18 | UNIVERSITY OF SOUTH ALABAMA MOBILE | 5.00% | 5.00% |
| 19 | ANDALUSIA MILLS EMPLOYEES CREDIT AS ANDALUSIA | 5.00% | 6.00% |
| 20 | U S PIPE BESSEMER EMPLOYEES Bessemer | 5.00% | 6.00% |
| 21 | WINSOUTH GADSDEN | 5.00% | 5.45% |
| 22 | RAILWAY EMPLOYEES Muscle Shoals | 5.00% | 7.00% |
| 23 | THE INFIRMARY Mobile | 5.03% | 6.25% |
| 24 | MUTUAL SAVINGS Birmingham | 5.11% | 7.96% |
| 25 | NORTHEAST ALABAMA POSTAL anniston | 5.13% | 8.69% |
| 26 | FEDMONT Montgomery | 5.14% | 6.50% |
| 27 | SOUTHERN ENERGY BIRMINGHAM | 5.20% | 5.70% |
| 28 | FAMILY SECURITY Decatur | 5.34% | 5.34% |
| 29 | ELECTRICAL WORKERS NO 558 SHEFFIELD | 5.35% | 5.65% |
| 30 | ROCKET CITY HUNTSVILLE | 5.36% | 5.81% |
| 31 | HERITAGE SOUTH Sylacauga | 5.39% | 7.43% |
| 32 | RAILROAD Irondale | 5.40% | 6.00% |
| 33 | MOBILE POSTAL Mobile | 5.42% | 6.98% |
| 34 | ACIPCO BIRMINGHAM | 5.50% | 5.50% |
| 35 | CHEM FAMILY Anniston | 5.50% | 6.75% |
| 36 | SOCIAL SECURITY Birmingham | 5.55% | 5.67% |
| 37 | AMERICA'S FIRST Birmingham | 5.57% | 5.90% |
| 38 | ALABAMA TUSCALOOSA | 5.70% | 7.10% |
| 39 | ALABAMA STATE EMPLOYEES Montgomery | 5.84% | 7.21% |
| 40 | ECO Birmingham | 5.85% | 7.25% |
| 41 | AUBURN UNIVERSITY Auburn | 5.86% | 8.75% |
| 42 | FLORENCE Florence | 5.90% | 8.95% |
| 43 | SOLUTIONS FIRST Enterprise | 5.96% | 7.01% |
| 44 | BLUE FLAME Mobile | 5.96% | 6.77% |
| 45 | ALATRUST HOOVER | 5.99% | 2.99% |
| 46 | NEW HORIZONS MOBILE | 5.99% | 3.99% |
| 47 | BALDWIN COUNTY BAY MINETTE | 5.99% | 5.99% |
| 48 | ALABAMA CENTRAL Birmingham | 6.00% | 5.99% |
| 49 | RED OAK Tuscaloosa | 6.00% | 6.00% |
| 50 | FORT MCCLELLAN Anniston | 6.04% | 7.63% |
| 51 | NUCOR EMPLOYEES FORT PAYNE | 6.08% | 7.92% |
| 52 | AVADIAN Birmingham | 6.09% | 6.63% |
| 53 | COOSA PINES Childersburg | 6.21% | 7.69% |
| 54 | CHEMCO MC INTOSH | 6.25% | 5.75% |
| 55 | THE BRIDGEWAY Phenix City | 6.37% | 8.37% |
| 56 | COVINGTON SCHOOLS Andalusia | 6.50% | 8.75% |
| 57 | EMBLEM GADSDEN | 6.50% | 6.50% |
| 58 | HEALTH Birmingham | 6.50% | 7.50% |
| 59 | LEGACY COMMUNITY BIRMINGHAM | 6.50% | 6.00% |
| 60 | FIREMAN'S BIRMINGHAM | 6.50% | 9.00% |
| 61 | VALLEY TUSCUMBIA | 6.50% | 6.24% |
| 62 | FOUR SEASONS OPELIKA | 6.53% | 8.62% |
| 63 | MONTGOMERY VA MONTGOMERY | 6.59% | 7.24% |
| 64 | AZALEA CITY MOBILE | 6.67% | 8.06% |
| 65 | NAHEOLA Pennington | 6.69% | 10.45% |
| 66 | GULF COAST MOBILE | 6.70% | 13.90% |
| 67 | FAMILY SAVINGS Rainbow City | 6.75% | 6.75% |
| 68 | GUARDIAN Prattville | 6.75% | 6.50% |
| 69 | TVA COMMUNITY CREDIT UNION MUSCLE SHOALS | 6.95% | 6.25% |
| 70 | LISTERHILL Sheffield | 6.98% | 8.60% |
| 71 | CHAMPION COMMUNITY Courtland | 6.99% | 7.99% |
| 72 | FEDERAL EMPLOYEES BIRMINGHAM | 7.00% | 7.00% |
| 73 | L&N EMPLOYEES Birmingham | 7.02% | 8.57% |
| 74 | DEMOPOLIS Demopolis | 7.05% | 9.42% |
| 75 | REDSTONE HUNTSVILLE | 7.09% | 8.08% |
| 76 | MAX Montgomery | 7.11% | 7.44% |
| 77 | JEFFERSON CREDIT UNION Hoover | 7.11% | 7.80% |
| 78 | NRS COMMUNITY DEVELOPMENT BIRMINGHAM | 7.25% | 9.80% |
| 79 | FIVE STAR Dothan | 7.50% | 8.30% |
| 80 | TUSCALOOSA V A Tuscaloosa | 7.74% | 8.99% |
| 81 | ALL IN DALEVILLE | 7.77% | 8.37% |
| 82 | ALABAMA POSTAL Birmingham | 8.00% | 12.00% |
| 83 | AOD Bynum | 8.05% | 8.30% |
| 84 | TUSKEGEE TUSKEGEE | 8.41% | 8.19% |
| 85 | SIXTH AVENUE BAPTIST BIRMINGHAM | 8.50% | 9.25% |
| 86 | TVH Tuskegee | 9.40% | 10.40% |
| 87 | SYCAMORE Sycamore | 10.75% | 11.31% |
89 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ALATRUST HOOVER | 2.99% | 5.99% |
| 2 | NEW HORIZONS MOBILE | 3.99% | 5.99% |
| 3 | ANG Birmingham | 4.19% | 3.91% |
| 4 | MOBILE GOVERNMENT EMP. Mobile | 4.20% | 4.53% |
| 5 | EAST ALABAMA COMMUNITY OPELIKA | 4.25% | 4.25% |
| 6 | MOBILE EDUCATORS MOBILE | 4.49% | 4.49% |
| 7 | S R I EMPLOYEES Birmingham | 4.50% | 4.25% |
| 8 | CHATTAHOOCHEE VALLEY | 4.50% | 4.50% |
| 9 | BIRMINGHAM CITY Birmingham | 4.75% | 4.50% |
| 10 | NORTH ALABAMA EDUCATORS HUNTSVILLE | 4.75% | 4.75% |
| 11 | WCU CREDIT UNION Decatur | 4.75% | 4.75% |
| 12 | NORTH ALABAMA PAPERMAKERS Stevenson | 4.99% | 2.36% |
| 13 | CITY TUSCALOOSA | 5.00% | 5.00% |
| 14 | LAUDERDALE COUNTY TEACHERS Florence | 5.00% | 5.00% |
| 15 | UNIVERSITY OF SOUTH ALABAMA MOBILE | 5.00% | 5.00% |
| 16 | FAMILY SECURITY Decatur | 5.34% | 5.34% |
| 17 | WINSOUTH GADSDEN | 5.45% | 5.00% |
| 18 | ACIPCO BIRMINGHAM | 5.50% | 5.50% |
| 19 | ELECTRICAL WORKERS NO 558 SHEFFIELD | 5.65% | 5.35% |
| 20 | SOCIAL SECURITY Birmingham | 5.67% | 5.55% |
| 21 | SOUTHERN ENERGY BIRMINGHAM | 5.70% | 5.20% |
| 22 | CHEMCO MC INTOSH | 5.75% | 6.25% |
| 23 | ROCKET CITY HUNTSVILLE | 5.81% | 5.36% |
| 24 | AMERICA'S FIRST Birmingham | 5.90% | 5.57% |
| 25 | ALABAMA ONE Tuscaloosa | 5.99% | 3.99% |
| 26 | BALDWIN COUNTY BAY MINETTE | 5.99% | 5.99% |
| 27 | ALABAMA CENTRAL Birmingham | 5.99% | 6.00% |
| 28 | ANDALUSIA MILLS EMPLOYEES CREDIT AS ANDALUSIA | 6.00% | 5.00% |
| 29 | U S PIPE BESSEMER EMPLOYEES Bessemer | 6.00% | 5.00% |
| 30 | RAILROAD Irondale | 6.00% | 5.40% |
| 31 | RED OAK Tuscaloosa | 6.00% | 6.00% |
| 32 | LEGACY COMMUNITY BIRMINGHAM | 6.00% | 6.50% |
| 33 | VALLEY TUSCUMBIA | 6.24% | 6.50% |
| 34 | THE INFIRMARY Mobile | 6.25% | 5.03% |
| 35 | TVA COMMUNITY CREDIT UNION MUSCLE SHOALS | 6.25% | 6.95% |
| 36 | RIVERFALL Tuscaloosa | 6.49% | 4.74% |
| 37 | FEDMONT Montgomery | 6.50% | 5.14% |
| 38 | EMBLEM GADSDEN | 6.50% | 6.50% |
| 39 | GUARDIAN Prattville | 6.50% | 6.75% |
| 40 | AVADIAN Birmingham | 6.63% | 6.09% |
| 41 | CHEM FAMILY Anniston | 6.75% | 5.50% |
| 42 | FAMILY SAVINGS Rainbow City | 6.75% | 6.75% |
| 43 | BLUE FLAME Mobile | 6.77% | 5.96% |
| 44 | MOBILE POSTAL Mobile | 6.98% | 5.42% |
| 45 | RAILWAY EMPLOYEES Muscle Shoals | 7.00% | 5.00% |
| 46 | FEDERAL EMPLOYEES BIRMINGHAM | 7.00% | 7.00% |
| 47 | SOLUTIONS FIRST Enterprise | 7.01% | 5.96% |
| 48 | ALABAMA TUSCALOOSA | 7.10% | 5.70% |
| 49 | ALABAMA STATE EMPLOYEES Montgomery | 7.21% | 5.84% |
| 50 | MONTGOMERY VA MONTGOMERY | 7.24% | 6.59% |
| 51 | ECO Birmingham | 7.25% | 5.85% |
| 52 | HERITAGE SOUTH Sylacauga | 7.43% | 5.39% |
| 53 | MAX Montgomery | 7.44% | 7.11% |
| 54 | HEALTH Birmingham | 7.50% | 6.50% |
| 55 | COUNCILL NORMAL | 7.50% | — |
| 56 | FORT MCCLELLAN Anniston | 7.63% | 6.04% |
| 57 | COOSA PINES Childersburg | 7.69% | 6.21% |
| 58 | JEFFERSON CREDIT UNION Hoover | 7.80% | 7.11% |
| 59 | NUCOR EMPLOYEES FORT PAYNE | 7.92% | 6.08% |
| 60 | MUTUAL SAVINGS Birmingham | 7.96% | 5.11% |
| 61 | CHAMPION COMMUNITY Courtland | 7.99% | 6.99% |
| 62 | FEDERATION OF GREENE COUNTY EMPL. Eutaw | 8.00% | 4.00% |
| 63 | MEAD COATED BOARD Eufaula | 8.00% | 4.99% |
| 64 | OPP-MICOLAS OPP | 8.00% | — |
| 65 | AZALEA CITY MOBILE | 8.06% | 6.67% |
| 66 | REDSTONE HUNTSVILLE | 8.08% | 7.09% |
| 67 | TUSKEGEE TUSKEGEE | 8.19% | 8.41% |
| 68 | FIVE STAR Dothan | 8.30% | 7.50% |
| 69 | AOD Bynum | 8.30% | 8.05% |
| 70 | THE BRIDGEWAY Phenix City | 8.37% | 6.37% |
| 71 | ALL IN DALEVILLE | 8.37% | 7.77% |
| 72 | L&N EMPLOYEES Birmingham | 8.57% | 7.02% |
| 73 | LISTERHILL Sheffield | 8.60% | 6.98% |
| 74 | FOUR SEASONS OPELIKA | 8.62% | 6.53% |
| 75 | NORTHEAST ALABAMA POSTAL anniston | 8.69% | 5.13% |
| 76 | AUBURN UNIVERSITY Auburn | 8.75% | 5.86% |
| 77 | COVINGTON SCHOOLS Andalusia | 8.75% | 6.50% |
| 78 | FLORENCE Florence | 8.95% | 5.90% |
| 79 | TUSCALOOSA V A Tuscaloosa | 8.99% | 7.74% |
| 80 | FIREMAN'S BIRMINGHAM | 9.00% | 6.50% |
| 81 | SIXTH AVENUE BAPTIST BIRMINGHAM | 9.25% | 8.50% |
| 82 | DEMOPOLIS Demopolis | 9.42% | 7.05% |
| 83 | NRS COMMUNITY DEVELOPMENT BIRMINGHAM | 9.80% | 7.25% |
| 84 | TVH Tuskegee | 10.40% | 9.40% |
| 85 | NAHEOLA Pennington | 10.45% | 6.69% |
| 86 | SYCAMORE Sycamore | 11.31% | 10.75% |
| 87 | ALABAMA POSTAL Birmingham | 12.00% | 8.00% |
| 88 | GULF COAST MOBILE | 13.90% | 6.70% |
| 89 | MARVEL CITY BESSEMER | 18.00% | 4.00% |
Most community credit unions in Alabama accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.