What is the typical credit union auto loan rate in Alabama?

The median new auto loan rate Alabama credit unions reported on their Q2 2026 call reports was 5.80%, and the median used auto rate was 7.00%. Nationally the medians were 5.46% and 6.32%.

Are these the rates I will get?

No. Each is the rate a credit union entered for that loan type on its call report to NCUA. Your rate depends on your credit, the term, the collateral and the date, and you have to be eligible to join. Use these to see who prices low, then check the credit union's own rate sheet.

Q2 2026 call reports

Credit union loan rates in Alabama

Alabama credit unions reported a median new auto loan rate of 5.80% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Alatrust Credit Union reported the lowest, 1.99%.

These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.

Loan	Alabama median	US median
New auto	5.80%	5.46%
Used auto	7.00%	6.32%
Credit card	10.89%	11.50%
Personal	12.58%	11.75%
Mortgage	5.73%	5.75%
Home equity	7.00%	6.75%

Lowest credit card rate reported in Alabama: Eco Credit Union, 7.38%. Lowest first mortgage rate: TVA Community Credit Union, 2.95%. (Same size rules as the national rankings.)

Every Alabama credit union's reported rates

All 88 Alabama credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.

Credit union	New auto	Used auto	Credit card	Personal	Mortgage	Home equity
Redstone Federal Credit Union	6.91%	8.01%	15.50%	11.86%	5.73%	7.64%
All in Federal Credit Union	7.83%	8.44%	10.40%	11.87%	6.16%	9.06%
Southern Energy Credit Union	5.30%	5.80%	10.00%	10.90%	5.20%	5.50%
America's First Federal Credit Union	5.55%	6.05%	8.59%	11.75%	6.16%	5.95%
Max Credit Union	6.93%	7.29%	15.27%	13.63%	4.90%	5.03%
Alabama Credit Union	5.70%	7.00%	10.90%	12.00%	4.55%	7.50%
Alabama One Credit Union	3.99%	5.24%	12.99%	11.99%	6.75%	7.25%
Listerhill Credit Union	6.75%	8.07%	13.27%	12.19%	5.85%	6.72%
Avadian Credit Union	6.10%	6.63%	10.78%	9.56%	4.91%	7.33%
Guardian Credit Union	5.75%	6.50%	15.50%	28.00%	5.50%	6.75%
Five Star Credit Union	7.50%	8.30%	10.75%	14.00%	7.40%	8.25%
Family Savings Credit Union	6.75%	6.75%	13.67%	16.00%	3.75%	7.25%
Family Security Credit Union	5.34%	5.34%	12.40%	10.99%	4.99%	6.75%
Legacy Community Federal Credit Union	6.50%	6.00%	8.90%	12.75%	5.62%	6.75%
Emblem Credit Union	6.50%	6.50%	11.00%	14.00%	6.50%	7.50%
Winsouth Credit Union	5.00%	5.00%	9.90%	10.99%	5.00%	7.50%
Alabama State Employees Credit Union	5.85%	7.25%	11.90%	12.15%	4.79%	7.11%
Aod Federal Credit Union	8.05%	8.30%	13.45%	14.70%	6.13%	7.50%
TVA Community Credit Union	6.95%	6.25%	9.95%	13.50%	2.95%	7.50%
Coosa Pines Federal Credit Union	6.24%	7.64%	10.08%	11.96%	5.13%	7.69%
New Horizons Credit Union	5.99%	3.99%	8.90%	9.99%	5.38%	6.75%
Auburn University Credit Union	5.85%	8.78%	10.90%	14.34%	5.27%	8.18%
Mutual Savings Credit Union	5.08%	7.94%	13.24%	14.82%	4.78%	6.42%
Fort McClellan Credit Union	6.14%	7.64%	9.90%	13.37%	5.04%	7.58%
Alatrust Credit Union	1.99%	1.99%	9.95%	24.00%	7.25%	6.75%
Acipco Federal Credit Union	5.50%	5.50%	9.99%	10.00%	6.50%	7.00%
Naheola Credit Union	6.69%	10.48%	14.95%	12.00%	6.86%	6.98%
Alabama Central Credit Union	5.50%	5.50%	10.75%	18.00%	6.25%	3.99%
Eco Credit Union	5.92%	7.28%	7.38%	13.09%	4.81%	6.69%
Riverfall Credit Union	4.74%	6.49%	12.90%	10.49%	5.75%	8.25%
Heritage South Credit Union	5.48%	7.44%	9.65%	14.36%	7.16%	5.78%
North Alabama Educators Credit Union	4.75%	4.75%	–	10.00%	5.75%	6.35%
Mobile Educators Credit Union	4.49%	4.49%	10.00%	10.00%	6.75%	8.00%
Valley Credit Union	6.50%	6.24%	10.88%	10.75%	7.65%	8.65%
Four Seasons Federal Credit Union	6.50%	8.42%	10.90%	8.64%	4.44%	7.97%
Railroad Credit Union	5.25%	5.50%	13.00%	11.99%	6.00%	6.50%
Jefferson Credit Union	7.19%	7.76%	9.58%	14.21%	6.72%	8.19%
Sycamore Federal Credit Union	10.82%	10.36%	–	15.04%	7.72%	6.58%
Rocket City Federal Credit Union	5.51%	5.88%	9.75%	18.00%	4.48%	6.48%
Florence Federal Credit Union	5.89%	8.80%	12.75%	12.57%	5.75%	7.20%
The Bridgeway Federal Credit Union	6.39%	8.61%	10.90%	12.78%	5.60%	8.17%
University of South Alabama Federal Credit Union	5.75%	6.00%	8.90%	7.40%	6.50%	6.50%
Tuscaloosa V A Federal Credit Union	7.74%	8.99%	11.90%	13.99%	6.00%	6.00%
Champion Community Credit Union	6.99%	7.99%	9.99%	11.99%	7.00%	7.25%
Azalea City Credit Union	6.71%	8.06%	12.64%	16.15%	6.32%	7.10%
Electrical Workers No 558 Federal Credit Union	5.35%	5.65%	–	14.00%	5.50%	5.50%
Solutions First Federal Credit Union	5.92%	7.03%	10.90%	8.85%	4.84%	4.22%
Gulf Coast Federal Credit Union	4.99%	6.50%	15.34%	11.99%	3.75%	6.50%
Mead Coated Board Federal Credit Union	4.99%	8.00%	–	14.00%	5.25%	–
Red Oak Credit Union	6.00%	6.00%	8.00%	10.00%	5.00%	7.00%
Lauderdale County Teachers Credit Union	5.00%	5.00%	–	7.00%	6.95%	6.00%
Social Security Credit Union	5.69%	5.80%	6.69%	14.91%	4.26%	8.00%
Wcu Credit Union	4.75%	4.75%	–	9.50%	5.25%	5.25%
The Infirmary Federal Credit Union	5.02%	6.18%	9.99%	12.20%	5.67%	–
Baldwin County Federal Credit Union	5.99%	5.99%	–	6.99%	2.50%	8.00%
Health Credit Union	6.50%	7.50%	13.00%	13.50%	4.50%	–
Ang Federal Credit Union	3.91%	4.19%	10.91%	12.52%	6.25%	5.34%
Chattahoochee Federal Credit Union	4.50%	4.50%	–	10.50%	4.75%	6.75%
Covington Schools Federal Credit Union	6.50%	8.75%	–	6.75%	7.75%	–
City Credit Union	5.00%	5.00%	–	10.00%	10.00%	–
Railway Employees Credit Union	5.00%	7.00%	–	18.00%	6.00%	7.75%
East Alabama Community Federal Credit Union	4.25%	4.25%	8.90%	9.99%	–	–
Federal Employees Credit Union	7.00%	7.00%	–	15.00%	6.00%	–
Mobile Postal Credit Union	5.48%	7.02%	–	12.93%	–	6.49%
Northeast Alabama Postal Federal Credit Union	5.28%	8.62%	–	11.14%	6.39%	8.82%
Mobile Government Emp. Credit Union	4.93%	4.18%	–	13.50%	4.37%	–
Fedmont Federal Credit Union	5.13%	7.97%	–	13.95%	–	–
Tuskegee Federal Credit Union	7.82%	9.91%	–	11.85%	5.57%	–
Blue Flame Credit Union	6.07%	6.79%	–	13.46%	8.25%	5.00%
Opp-Micolas Credit Union	–	8.00%	–	18.00%	7.50%	–
Birmingham City Credit Union	4.50%	4.50%	–	10.80%	4.50%	–
Marvel City Federal Credit Union	4.00%	18.00%	–	18.00%	7.00%	–
L&N Employees Credit Union	7.07%	8.45%	11.90%	15.94%	6.38%	8.00%
Fireman's Credit Union	6.50%	9.00%	–	15.00%	–	–
Alabama Postal Credit Union	8.00%	13.00%	–	17.00%	–	–
Chemco Credit Union	5.25%	5.50%	–	16.00%	–	–
Sixth Avenue Baptist Federal Credit Union	8.50%	9.25%	–	12.00%	5.00%	7.25%
TVH Federal Credit Union	9.40%	10.40%	–	15.00%	–	–
Chem Family Credit Union	5.50%	6.75%	–	10.00%	6.25%	8.25%
S R I Employees Federal Credit Union	4.25%	4.50%	–	9.25%	4.75%	4.25%
Demopolis Federal Credit Union	7.04%	9.03%	–	12.59%	–	–
Andalusia Mills Employees Credit As Federal Credit Union	5.00%	6.00%	–	15.00%	–	–
U S Pipe Bessemer Employees Federal Credit Union	5.00%	6.00%	–	10.00%	–	–
Councill Federal Credit Union	–	7.50%	–	17.50%	–	–
Nucor Employees Federal Credit Union	6.08%	7.92%	–	12.08%	–	–
Federation of Greene County Empl. Federal Credit Union	4.00%	8.00%	–	17.50%	–	–
North Alabama Papermakers Federal Credit Union	2.36%	6.99%	–	15.00%	–	–
NRS Community Development Federal Credit Union	7.25%	9.80%	–	18.00%	–	–

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Alabama credit unions · Lowest rates nationally