Personal Loans · Alabama
89 credit unions in Alabama report personal loan rates to the NCUA. Rates range from 5.06% to 28.00%.
Updated Q1 2026 · NCUA Call Report data
89
CUs Reporting Rates
5.06%
Lowest Rate
12.95%
State Average Rate
52
Cities Covered
89 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | ALL IN DALEVILLE | 5.06% | 10.14% |
| 2 | BALDWIN COUNTY BAY MINETTE | 6.99% | — |
| 3 | LAUDERDALE COUNTY TEACHERS Florence | 7.00% | — |
| 4 | SOLUTIONS FIRST Enterprise | 7.13% | 10.90% |
| 5 | UNIVERSITY OF SOUTH ALABAMA MOBILE | 7.40% | 8.90% |
| 6 | AVADIAN Birmingham | 8.84% | 10.39% |
| 7 | FOUR SEASONS OPELIKA | 8.85% | 10.90% |
| 8 | S R I EMPLOYEES Birmingham | 9.25% | — |
| 9 | WCU CREDIT UNION Decatur | 9.50% | — |
| 10 | EAST ALABAMA COMMUNITY OPELIKA | 9.99% | 8.90% |
| 11 | WINSOUTH GADSDEN | 9.99% | 9.90% |
| 12 | CHEM FAMILY Anniston | 10.00% | — |
| 13 | NORTH ALABAMA EDUCATORS HUNTSVILLE | 10.00% | — |
| 14 | ACIPCO BIRMINGHAM | 10.00% | 9.99% |
| 15 | U S PIPE BESSEMER EMPLOYEES Bessemer | 10.00% | — |
| 16 | RED OAK Tuscaloosa | 10.00% | 8.00% |
| 17 | CITY TUSCALOOSA | 10.00% | — |
| 18 | MOBILE EDUCATORS MOBILE | 10.00% | 10.00% |
| 19 | RIVERFALL Tuscaloosa | 10.49% | 12.90% |
| 20 | CHATTAHOOCHEE VALLEY | 10.50% | — |
| 21 | VALLEY TUSCUMBIA | 10.75% | 10.88% |
| 22 | BIRMINGHAM CITY Birmingham | 10.80% | — |
| 23 | SOUTHERN ENERGY BIRMINGHAM | 10.90% | 10.00% |
| 24 | FAMILY SECURITY Decatur | 10.99% | 12.40% |
| 25 | COVINGTON SCHOOLS Andalusia | 11.00% | — |
| 26 | NORTHEAST ALABAMA POSTAL anniston | 11.14% | — |
| 27 | REDSTONE HUNTSVILLE | 11.43% | 15.50% |
| 28 | AMERICA'S FIRST Birmingham | 11.51% | 8.30% |
| 29 | TUSKEGEE TUSKEGEE | 11.65% | — |
| 30 | NAHEOLA Pennington | 11.94% | 15.29% |
| 31 | RAILROAD Irondale | 11.99% | 13.00% |
| 32 | COOSA PINES Childersburg | 11.99% | 9.64% |
| 33 | GULF COAST MOBILE | 11.99% | 11.99% |
| 34 | CHAMPION COMMUNITY Courtland | 11.99% | 9.99% |
| 35 | ALABAMA TUSCALOOSA | 12.00% | 10.90% |
| 36 | SIXTH AVENUE BAPTIST BIRMINGHAM | 12.00% | — |
| 37 | NUCOR EMPLOYEES FORT PAYNE | 12.08% | — |
| 38 | ALABAMA STATE EMPLOYEES Montgomery | 12.09% | 11.92% |
| 39 | THE INFIRMARY Mobile | 12.15% | 9.99% |
| 40 | LISTERHILL Sheffield | 12.43% | 13.02% |
| 41 | THE BRIDGEWAY Phenix City | 12.51% | 10.90% |
| 42 | ANG Birmingham | 12.52% | 10.91% |
| 43 | DEMOPOLIS Demopolis | 12.71% | — |
| 44 | LEGACY COMMUNITY BIRMINGHAM | 12.75% | 8.90% |
| 45 | FLORENCE Florence | 12.79% | 12.75% |
| 46 | MOBILE POSTAL Mobile | 12.96% | — |
| 47 | ALABAMA CENTRAL Birmingham | 12.99% | 18.00% |
| 48 | NEW HORIZONS MOBILE | 12.99% | 8.90% |
| 49 | ECO Birmingham | 13.16% | 7.24% |
| 50 | FORT MCCLELLAN Anniston | 13.22% | 9.90% |
| 51 | HEALTH Birmingham | 13.50% | 13.00% |
| 52 | TVA COMMUNITY CREDIT UNION MUSCLE SHOALS | 13.50% | 9.95% |
| 53 | MOBILE GOVERNMENT EMP. Mobile | 13.50% | — |
| 54 | MAX Montgomery | 13.59% | 15.27% |
| 55 | BLUE FLAME Mobile | 13.68% | — |
| 56 | AUBURN UNIVERSITY Auburn | 13.81% | 10.90% |
| 57 | HERITAGE SOUTH Sylacauga | 13.87% | 9.54% |
| 58 | FEDMONT Montgomery | 13.98% | — |
| 59 | TUSCALOOSA V A Tuscaloosa | 13.99% | 11.90% |
| 60 | FIVE STAR Dothan | 14.00% | 10.75% |
| 61 | MEAD COATED BOARD Eufaula | 14.00% | — |
| 62 | EMBLEM GADSDEN | 14.00% | 11.00% |
| 63 | ELECTRICAL WORKERS NO 558 SHEFFIELD | 14.00% | — |
| 64 | JEFFERSON CREDIT UNION Hoover | 14.29% | 9.70% |
| 65 | ALABAMA ONE Tuscaloosa | 14.50% | 12.99% |
| 66 | AOD Bynum | 14.70% | 13.45% |
| 67 | SOCIAL SECURITY Birmingham | 14.71% | 9.90% |
| 68 | MUTUAL SAVINGS Birmingham | 14.82% | 13.42% |
| 69 | MONTGOMERY VA MONTGOMERY | 14.90% | — |
| 70 | FIREMAN'S BIRMINGHAM | 15.00% | — |
| 71 | FEDERAL EMPLOYEES BIRMINGHAM | 15.00% | — |
| 72 | TVH Tuskegee | 15.00% | — |
| 73 | NORTH ALABAMA PAPERMAKERS Stevenson | 15.00% | — |
| 74 | ANDALUSIA MILLS EMPLOYEES CREDIT AS ANDALUSIA | 15.00% | — |
| 75 | SYCAMORE Sycamore | 15.08% | — |
| 76 | L&N EMPLOYEES Birmingham | 15.94% | 11.90% |
| 77 | FAMILY SAVINGS Rainbow City | 16.00% | 13.66% |
| 78 | AZALEA CITY MOBILE | 16.11% | 12.62% |
| 79 | CHEMCO MC INTOSH | 16.25% | — |
| 80 | ALABAMA POSTAL Birmingham | 17.00% | — |
| 81 | COUNCILL NORMAL | 17.50% | — |
| 82 | FEDERATION OF GREENE COUNTY EMPL. Eutaw | 17.50% | — |
| 83 | ALATRUST HOOVER | 17.99% | 9.95% |
| 84 | MARVEL CITY BESSEMER | 18.00% | — |
| 85 | ROCKET CITY HUNTSVILLE | 18.00% | 9.75% |
| 86 | NRS COMMUNITY DEVELOPMENT BIRMINGHAM | 18.00% | — |
| 87 | OPP-MICOLAS OPP | 18.00% | — |
| 88 | RAILWAY EMPLOYEES Muscle Shoals | 18.00% | — |
| 89 | GUARDIAN Prattville | 28.00% | 15.50% |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.