Auto Loans · Birmingham, Alabama
19 credit unions in Birmingham report car loan rates to the NCUA. Rates range from 3.91% to 8.50%.
Updated Q1 2026 · NCUA Call Report data
19
CUs Reporting Rates
3.91%
Lowest New Car Rate
6.04%
City Average Rate
19 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ANG ★ 4.8 · 5 reviews | 3.91% | 4.19% |
| 2 | S R I EMPLOYEES ★ 4.0 · 15 reviews | 4.25% | 4.50% |
| 3 | BIRMINGHAM CITY ★ 3.2 · 15 reviews | 4.50% | 4.75% |
| 4 | MUTUAL SAVINGS ★ 2.9 · 43 reviews | 5.11% | 7.96% |
| 5 | SOUTHERN ENERGY ★ 3.9 · 46 reviews | 5.20% | 5.70% |
| 6 | ACIPCO ★ 3.9 · 31 reviews | 5.50% | 5.50% |
| 7 | SOCIAL SECURITY ★ 4.0 · 15 reviews | 5.55% | 5.67% |
| 8 | AMERICA'S FIRST ★ 4.4 · 302 reviews | 5.57% | 5.90% |
| 9 | ECO ★ 3.1 · 14 reviews | 5.85% | 7.25% |
| 10 | ALABAMA CENTRAL ★ 3.1 · 23 reviews | 6.00% | 5.99% |
| 11 | AVADIAN ★ 2.8 · 50 reviews | 6.09% | 6.63% |
| 12 | LEGACY COMMUNITY ★ 3.9 · 72 reviews | 6.50% | 6.00% |
| 13 | HEALTH ★ 4.9 · 10 reviews | 6.50% | 7.50% |
| 14 | FIREMAN'S ★ 5.0 · 2 reviews | 6.50% | 9.00% |
| 15 | FEDERAL EMPLOYEES ★ 4.3 · 16 reviews | 7.00% | 7.00% |
| 16 | L&N EMPLOYEES ★ 4.3 · 12 reviews | 7.02% | 8.57% |
| 17 | NRS COMMUNITY DEVELOPMENT ★ 4.5 · 6 reviews | 7.25% | 9.80% |
| 18 | ALABAMA POSTAL ★ 3.7 · 46 reviews | 8.00% | 12.00% |
| 19 | SIXTH AVENUE BAPTIST ★ 5.0 · 1 reviews | 8.50% | 9.25% |
19 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ANG ★ 4.8 · 5 reviews | 4.19% | 3.91% |
| 2 | S R I EMPLOYEES ★ 4.0 · 15 reviews | 4.50% | 4.25% |
| 3 | BIRMINGHAM CITY ★ 3.2 · 15 reviews | 4.75% | 4.50% |
| 4 | ACIPCO ★ 3.9 · 31 reviews | 5.50% | 5.50% |
| 5 | SOCIAL SECURITY ★ 4.0 · 15 reviews | 5.67% | 5.55% |
| 6 | SOUTHERN ENERGY ★ 3.9 · 46 reviews | 5.70% | 5.20% |
| 7 | AMERICA'S FIRST ★ 4.4 · 302 reviews | 5.90% | 5.57% |
| 8 | ALABAMA CENTRAL ★ 3.1 · 23 reviews | 5.99% | 6.00% |
| 9 | LEGACY COMMUNITY ★ 3.9 · 72 reviews | 6.00% | 6.50% |
| 10 | AVADIAN ★ 2.8 · 50 reviews | 6.63% | 6.09% |
| 11 | FEDERAL EMPLOYEES ★ 4.3 · 16 reviews | 7.00% | 7.00% |
| 12 | ECO ★ 3.1 · 14 reviews | 7.25% | 5.85% |
| 13 | HEALTH ★ 4.9 · 10 reviews | 7.50% | 6.50% |
| 14 | MUTUAL SAVINGS ★ 2.9 · 43 reviews | 7.96% | 5.11% |
| 15 | L&N EMPLOYEES ★ 4.3 · 12 reviews | 8.57% | 7.02% |
| 16 | FIREMAN'S ★ 5.0 · 2 reviews | 9.00% | 6.50% |
| 17 | SIXTH AVENUE BAPTIST ★ 5.0 · 1 reviews | 9.25% | 8.50% |
| 18 | NRS COMMUNITY DEVELOPMENT ★ 4.5 · 6 reviews | 9.80% | 7.25% |
| 19 | ALABAMA POSTAL ★ 3.7 · 46 reviews | 12.00% | 8.00% |
A pre-approval from a Birmingham 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 Birmingham in the same window and take the best offer.
See member reviews, branch locations, and full rate details.