Auto Loans · Bessemer, Alabama
2 credit unions in Bessemer report car loan rates to the NCUA. Rates range from 4.00% to 5.00%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.00%
Lowest New Car Rate
4.50%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MARVEL CITY ★ 4.6 · 12 reviews | 4.00% | 18.00% |
| 2 | U S PIPE BESSEMER EMPLOYEES ★ 5.0 · 5 reviews | 5.00% | 6.00% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | U S PIPE BESSEMER EMPLOYEES ★ 5.0 · 5 reviews | 6.00% | 5.00% |
| 2 | MARVEL CITY ★ 4.6 · 12 reviews | 18.00% | 4.00% |
A pre-approval from a Bessemer 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 Bessemer in the same window and take the best offer.
See member reviews, branch locations, and full rate details.