MonitorBankRates
☰
  1. Home
  2. ›
  3. Auto Loans
  4. ›
  5. Alabama
  6. ›
  7. Birmingham
  8. iAdvertiser Disclosure
    Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Auto Loan Rates in Birmingham, Alabama (AL) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Birmingham, Alabama. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 4, 2026

Current auto loan rates in Birmingham, Alabama include Legacy Community Federal Credit UnionLegacy Community Federal Credit Union1400 20th St S, Birmingham, AL, 35205 4914A+5.0 ★Texas Ratio: 1.54% offering Vehicle Loans at 4.50%, APCO Employees Credit UnionAPCO Employees Credit Union750 17th St N, Birmingham, AL, 35203A+5.0 ★Texas Ratio: 0.45% offering NEW AUTO at 4.60%, eCO Credit UnioneCO Credit Union105 Frankfurt Cir, Birmingham, AL, 35211 6978A+5.0 ★Texas Ratio: 2.38% offering New Auto at 4.70%, Social Security Credit UnionSocial Security Credit Union1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285A+5.0 ★Texas Ratio: 4.50% offering New/Used Automobile at 4.75%, Federal Employees Credit UnionFederal Employees Credit Union1509 4th Ave S, Birmingham, AL, 35233 1612A+5.0 ★Texas Ratio: 5.73% offering New & Used Autos* (Up to 36 months) at 5.00%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.

Birmingham has 6 local institutions in our database, with auto loan rates as low as 4.50% APR from Legacy Community Federal Credit Union at 1400 20th St S, Birmingham, AL, 35205 4914. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Birmingham, Alabama. Auto Loan Rates Last Updated and Verified: May 4, 2026

Compare Auto Loan Rates Today in Birmingham, Alabama & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Vehicle Loans
4.50%
Up to 48 Months
View
▼
APR4.50%
TermUp to 48 Months
Last UpdatedApr 27, 2026
Details

As Low As; Monthly payment of $22.80 per $1,000.00 borrowed

APCO Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
750 17th St N, Birmingham, AL, 35203
NEW AUTO
4.60%
63 Months
View
▼
APR4.60%
Term63 Months
Last UpdatedApr 19, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Current or up to 2 yrs. old)

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto Loan
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Current or up to 2 yrs. old

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Vehicle Loans
4.75%
49 - 63 Months
View
▼
APR4.75%
Term49 - 63 Months
Last UpdatedApr 27, 2026
Details

As Low As; Monthly payment of $17.97 per $1,000.00 borrowed

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
4.75%
3 Years
View
▼
APR4.75%
Term3 Years
Last UpdatedMay 2, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.80%
48 Months
View
▼
APR4.80%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Current or up to 2 yrs. old)

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto Loan
4.80%
48 Months
View
▼
APR4.80%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Current or up to 2 yrs. old

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
4.80%
36 Months
View
▼
APR4.80%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Current or up to 2 yrs. old)

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto Loan
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Current or up to 2 yrs. old

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
5.00%
4 Years
View
▼
APR5.00%
Term4 Years
Last UpdatedMay 2, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos* (Up to 36 months)
5.00%
Up to 36 months
View
▼
APR5.00%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
5.10%
60 Months
View
▼
APR5.10%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Vehicle Loans
5.25%
64-75 Months
View
▼
APR5.25%
Term64-75 Months
Last UpdatedApr 27, 2026
Details

As Low As; Monthly payment of $15.67 per $1,000.00 borrowed

Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos* (Up to 48 months)
5.25%
Up to 48 months
View
▼
APR5.25%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Current or up to 2 yrs. old)

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto Loan
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Current or up to 2 yrs. old

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
5.70%
72 Months
View
▼
APR5.70%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
5.75%
5 Years
View
▼
APR5.75%
Term5 Years
Last UpdatedMay 2, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos* (Up to 72 months)
5.90%
Up to 72 months
View
▼
APR5.90%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

As Low As

Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos* (Up to 60 months)
5.99%
Up to 60 months
View
▼
APR5.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
6.00%
36 Months
View
▼
APR6.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; (6 model years or older)

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Vehicle Loans
6.25%
76-84 Months
View
▼
APR6.25%
Term76-84 Months
Last UpdatedApr 27, 2026
Details

As Low As; Monthly payment of $14.73 per $1,000.00 borrowed

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
6.25%
6 Years
View
▼
APR6.25%
Term6 Years
Last UpdatedMay 2, 2026
Details

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Used Automobile
6.25%
4 Years
View
▼
APR6.25%
Term4 Years
Last UpdatedMay 2, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
6.30%
84 Months
View
▼
APR6.30%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Current or up to 2 yrs. old)

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto Loan
6.30%
84 Months
View
▼
APR6.30%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Current or up to 2 yrs. old

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
6.50%
48 Months
View
▼
APR6.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; (6 model years or older)

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
6.55%
84 Months
View
▼
APR6.55%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Used Automobile
6.75%
5 Years
View
▼
APR6.75%
Term5 Years
Last UpdatedMay 2, 2026
Details

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
7.00%
7 Years
View
▼
APR7.00%
Term7 Years
Last UpdatedMay 2, 2026
Details

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Used Automobile
7.50%
6 Years
View
▼
APR7.50%
Term6 Years
Last UpdatedMay 2, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
9178 Parkway E, Birmingham, AL, 35206 1507
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
View
▼
APR7.57%
Term84 Months
Last UpdatedMay 2, 2026
Details

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Older Used Automobile
8.00%
3 Years
View
▼
APR8.00%
Term3 Years
Last UpdatedMay 2, 2026
Details

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Older Used Automobile
8.25%
4 Years
View
▼
APR8.25%
Term4 Years
Last UpdatedMay 2, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
9178 Parkway E, Birmingham, AL, 35206 1507
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
View
▼
APR8.57%
Term72 Months
Last UpdatedMay 2, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
2.49%
Up to 24 Months
View
▼
APR2.49%
TermUp to 24 Months
Last UpdatedApr 25, 2026
Details

As Low As

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
New & Used Autos, Truck, Vans
2.95%
102 Months
View
▼
APR2.95%
Term102 Months
Last UpdatedMay 4, 2026
Details

As Low As

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Auto Loans
2.99%
up to 48
View
▼
APR2.99%
Termup to 48
Last UpdatedApr 19, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Marvel City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
NEW Auto Loan
3.00%
48 Months
View
▼
APR3.00%
Term48 Months
Last UpdatedApr 18, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
3.24%
48 Months
View
▼
APR3.24%
Term48 Months
Last UpdatedApr 25, 2026
Details

As Low As

Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
New and Used Auto
3.25%
72 Months
View
▼
APR3.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
3.25%
36 Months
View
▼
APR3.25%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Auto Loans
3.49%
60 months
View
▼
APR3.49%
Term60 months
Last UpdatedApr 25, 2026
Details

Rates as low as 3.49% APR* for 60 months (with Relationship Pricing)

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
3.49%
Up to 24 months
View
▼
APR3.49%
TermUp to 24 months
Last UpdatedApr 25, 2026
Details

As Low As

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New Eco-Friendly Autos
3.49%
up to 36 Months
View
▼
APR3.49%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars and Trucks Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; NADA Retail Value Maximum

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
3.75%
60 Months
View
▼
APR3.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars and Trucks Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New Autos
3.99%
up to 36 Months
View
▼
APR3.99%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Used Autos (2024-2020)
3.99%
up to 36 Months
View
▼
APR3.99%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2026- 2024
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

Marvel City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Auto Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars and Trucks Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
4.24%
48 months
View
▼
APR4.24%
Term48 months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Financing or more
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 2, 2026
Details

$20,000

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2023 - 2022
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details

Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.79%
New Auto
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedApr 25, 2026
Details

As Low As

Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New Auto
4.74%
Up to 84 Months
View
▼
APR4.74%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

As Low As; New Auto

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedMay 2, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedMay 2, 2026
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Auto Loans
4.75%
49 to 66
View
▼
APR4.75%
Term49 to 66
Last UpdatedApr 19, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 60 Month Fixed
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 25, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 36 Months
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
4.85%
48 months
View
▼
APR4.85%
Term48 months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
4.85%
48 months
View
▼
APR4.85%
Term48 months
Last UpdatedMay 2, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 61 Months
4.95%
61 Months
View
▼
APR4.95%
Term61 Months
Last UpdatedMay 2, 2026
Details

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
4.95%
48 Months
View
▼
APR4.95%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2017-2024) - 36 Months
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Financing or more
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

$30,000

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2021 - Older
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 5 years old)
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
New/ Newer Autos
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details

Rates subject to credit score, loan term, collateral age/mileage

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedMay 2, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedMay 2, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedMay 2, 2026
Details

As Low As

Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Car
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car 60 Month Fixed
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 25, 2026
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Used car / truck purchase (3 model years & older), 60 month max term.
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
5.15%
60 Months
View
▼
APR5.15%
Term60 Months
Last UpdatedMay 2, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details

As Low As

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
5.24%
66 months
View
▼
APR5.24%
Term66 months
Last UpdatedMay 2, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
View
▼
APR5.24%
Term66 months
Last UpdatedMay 2, 2026
Details

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Auto Loans
5.25%
67 to 78
View
▼
APR5.25%
Term67 to 78
Last UpdatedApr 19, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 72 Month Fixed
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 25, 2026
Details

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2017-2024) - 61 Months
5.25%
61 Months
View
▼
APR5.25%
Term61 Months
Last UpdatedMay 2, 2026
Details

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - Used (4 year old and older)
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
5.30%
72 months
View
▼
APR5.30%
Term72 months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
5.30%
72 months
View
▼
APR5.30%
Term72 months
Last UpdatedMay 2, 2026
Details

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
5.45%
72 Months
View
▼
APR5.45%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - Used (4 year old and older)
5.45%
60 Months
View
▼
APR5.45%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
5.45%
72 Months
View
▼
APR5.45%
Term72 Months
Last UpdatedMay 2, 2026
Details

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 5 years old)
5.49%
5 Years
View
▼
APR5.49%
Term5 Years
Last UpdatedMay 2, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
View
▼
APR5.49%
Term75 months
Last UpdatedMay 2, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car 72 Month Fixed
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedApr 25, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
5.50%
1-3 Year
View
▼
APR5.50%
Term1-3 Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match program!

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 73 Months
5.50%
73 Months
View
▼
APR5.50%
Term73 Months
Last UpdatedMay 2, 2026
Details

$20,000+

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
5.74%
75 months
View
▼
APR5.74%
Term75 months
Last UpdatedMay 2, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedMay 2, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.74%
75 months
View
▼
APR5.74%
Term75 months
Last UpdatedMay 2, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 84 Month Fixed
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 25, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
5.75%
4-Year
View
▼
APR5.75%
Term4-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match program!

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2017-2024) - 73 Months
5.75%
73 Months
View
▼
APR5.75%
Term73 Months
Last UpdatedMay 2, 2026
Details

$20,000+

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - Used (4 year old and older)
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 84 Months
5.95%
84 Months
View
▼
APR5.95%
Term84 Months
Last UpdatedMay 2, 2026
Details

$30,000+

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
5.99%
48 months
View
▼
APR5.99%
Term48 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Used Autos (2019-2015)
5.99%
Up to 36 Months
View
▼
APR5.99%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 5 years old)
5.99%
5 Years
View
▼
APR5.99%
Term5 Years
Last UpdatedMay 2, 2026
Details

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Used Autos
5.99%
up to 84 months
View
▼
APR5.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details

Rates subject to credit score, loan term, collateral age/mileage

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedMay 2, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedMay 2, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 96 Month Fixed
6.00%
96 Months
View
▼
APR6.00%
Term96 Months
Last UpdatedApr 25, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car 84 Month Fixed
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedApr 25, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
6.00%
5-Year
View
▼
APR6.00%
Term5-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match program!

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
6.10%
84 months
View
▼
APR6.10%
Term84 months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
6.10%
84 months
View
▼
APR6.10%
Term84 months
Last UpdatedMay 2, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 25, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Other (RV, Older Vehicles, ATV, etc.)
6.24%
up to 60 Mos.
View
▼
APR6.24%
Termup to 60 Mos.
Last UpdatedApr 27, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.24%
72 months
View
▼
APR6.24%
Term72 months
Last UpdatedMay 2, 2026
Details

As Low As

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
6.24%
36 months
View
▼
APR6.24%
Term36 months
Last UpdatedMay 2, 2026
Details

As Low As

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Auto Loans
6.25%
79 to 84
View
▼
APR6.25%
Term79 to 84
Last UpdatedApr 19, 2026
Details

As Low As

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
6.25%
6-Year
View
▼
APR6.25%
Term6-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match program!

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.25%
1-3 Year
View
▼
APR6.25%
Term1-3 Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Auto
6.49%
Up to 60 Months
View
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto

Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 3 years old)
6.49%
3 Years
View
▼
APR6.49%
Term3 Years
Last UpdatedMay 2, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.50%
4-Year
View
▼
APR6.50%
Term4-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2016 & Older) - 36 Months
6.50%
36 Months
View
▼
APR6.50%
Term36 Months
Last UpdatedMay 2, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
6.74%
48 months
View
▼
APR6.74%
Term48 months
Last UpdatedMay 2, 2026
Details

As Low As

Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
New Auto 2025 - 2026
6.75%
84 Months
View
▼
APR6.75%
Term84 Months
Last UpdatedApr 19, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.75%
5-Year
View
▼
APR6.75%
Term5-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2016 & Older) - 61 Months
6.75%
61 Months
View
▼
APR6.75%
Term61 Months
Last UpdatedMay 2, 2026
Details

$10,000+

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
6.79%
60 months
View
▼
APR6.79%
Term60 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
6.99%
84 months
View
▼
APR6.99%
Term84 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
6.99%
72 months
View
▼
APR6.99%
Term72 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.99%
90 months
View
▼
APR6.99%
Term90 months
Last UpdatedMay 2, 2026
Details

As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
7.00%
6-Year
View
▼
APR7.00%
Term6-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Used Auto (2014 & Older)
7.25%
Up to 36 Months
View
▼
APR7.25%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
7.49%
48 Months
View
▼
APR7.49%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
7.50%
84 months
View
▼
APR7.50%
Term84 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
7.50%
7-Year
View
▼
APR7.50%
Term7-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match program!

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
7.74%
60 months
View
▼
APR7.74%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Auto
7.99%
Up to 36 Months
View
▼
APR7.99%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto

Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (Used Over 5 years old with loan value of
7.99%
5 Years
View
▼
APR7.99%
Term5 Years
Last UpdatedMay 2, 2026
Details

$15,000+

Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (Used Over 5 years old)
7.99%
5 Years
View
▼
APR7.99%
Term5 Years
Last UpdatedMay 2, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
8.00%
7-Year
View
▼
APR8.00%
Term7-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
8.49%
72 months
View
▼
APR8.49%
Term72 months
Last UpdatedMay 2, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
9.24%
90 months
View
▼
APR9.24%
Term90 months
Last UpdatedMay 2, 2026
Details

As Low As

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
9.99%
36 months
View
▼
APR9.99%
Term36 months
Last UpdatedMay 2, 2026
Details

Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
Used Auto 2016 - 2024
10.25%
72 Months
View
▼
APR10.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
12.99%
66 months
View
▼
APR12.99%
Term66 months
Last UpdatedMay 2, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
13.99%
75 months
View
▼
APR13.99%
Term75 months
Last UpdatedMay 2, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
16.99%
84 months
View
▼
APR16.99%
Term84 months
Last UpdatedMay 2, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
APCO Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
750 17th St N, Birmingham, AL, 35203
NEW AUTO
4.60%
63 Months
View
▼
APR4.60%
Term63 Months
Last UpdatedApr 19, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Current or up to 2 yrs. old)

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto Loan
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Current or up to 2 yrs. old

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
4.75%
3 Years
View
▼
APR4.75%
Term3 Years
Last UpdatedMay 2, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.80%
48 Months
View
▼
APR4.80%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Current or up to 2 yrs. old)

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto Loan
4.80%
48 Months
View
▼
APR4.80%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Current or up to 2 yrs. old

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Current or up to 2 yrs. old)

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto Loan
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Current or up to 2 yrs. old

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
5.00%
4 Years
View
▼
APR5.00%
Term4 Years
Last UpdatedMay 2, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos* (Up to 36 months)
5.00%
Up to 36 months
View
▼
APR5.00%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As

Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos* (Up to 48 months)
5.25%
Up to 48 months
View
▼
APR5.25%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Current or up to 2 yrs. old)

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto Loan
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Current or up to 2 yrs. old

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
5.75%
5 Years
View
▼
APR5.75%
Term5 Years
Last UpdatedMay 2, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos* (Up to 72 months)
5.90%
Up to 72 months
View
▼
APR5.90%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

As Low As

Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos* (Up to 60 months)
5.99%
Up to 60 months
View
▼
APR5.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

As Low As

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
6.25%
6 Years
View
▼
APR6.25%
Term6 Years
Last UpdatedMay 2, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
6.30%
84 Months
View
▼
APR6.30%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Current or up to 2 yrs. old)

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto Loan
6.30%
84 Months
View
▼
APR6.30%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Current or up to 2 yrs. old

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
7.00%
7 Years
View
▼
APR7.00%
Term7 Years
Last UpdatedMay 2, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
9178 Parkway E, Birmingham, AL, 35206 1507
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
View
▼
APR7.57%
Term84 Months
Last UpdatedMay 2, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
2.49%
Up to 24 Months
View
▼
APR2.49%
TermUp to 24 Months
Last UpdatedApr 25, 2026
Details

As Low As

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
New & Used Autos, Truck, Vans
2.95%
102 Months
View
▼
APR2.95%
Term102 Months
Last UpdatedMay 4, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Marvel City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
NEW Auto Loan
3.00%
48 Months
View
▼
APR3.00%
Term48 Months
Last UpdatedApr 18, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
3.24%
48 Months
View
▼
APR3.24%
Term48 Months
Last UpdatedApr 25, 2026
Details

As Low As

Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
New and Used Auto
3.25%
72 Months
View
▼
APR3.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
3.25%
36 Months
View
▼
APR3.25%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
3.49%
Up to 24 months
View
▼
APR3.49%
TermUp to 24 months
Last UpdatedApr 25, 2026
Details

As Low As

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New Eco-Friendly Autos
3.49%
up to 36 Months
View
▼
APR3.49%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
3.75%
60 Months
View
▼
APR3.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New Autos
3.99%
up to 36 Months
View
▼
APR3.99%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2026- 2024
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
4.24%
48 months
View
▼
APR4.24%
Term48 months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Financing or more
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 2, 2026
Details

$20,000

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2023 - 2022
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details

Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.79%
New Auto
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedApr 25, 2026
Details

As Low As

Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New Auto
4.74%
Up to 84 Months
View
▼
APR4.74%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

As Low As; New Auto

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedMay 2, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 60 Month Fixed
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 25, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 36 Months
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
4.85%
48 months
View
▼
APR4.85%
Term48 months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
4.85%
48 months
View
▼
APR4.85%
Term48 months
Last UpdatedMay 2, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 61 Months
4.95%
61 Months
View
▼
APR4.95%
Term61 Months
Last UpdatedMay 2, 2026
Details

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
4.95%
48 Months
View
▼
APR4.95%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Financing or more
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

$30,000

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2021 - Older
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 5 years old)
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
New/ Newer Autos
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details

Rates subject to credit score, loan term, collateral age/mileage

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedMay 2, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedMay 2, 2026
Details

As Low As

Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Car
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedMay 2, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 72 Month Fixed
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 25, 2026
Details

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
5.30%
72 months
View
▼
APR5.30%
Term72 months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
5.30%
72 months
View
▼
APR5.30%
Term72 months
Last UpdatedMay 2, 2026
Details

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
5.45%
72 Months
View
▼
APR5.45%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 5 years old)
5.49%
5 Years
View
▼
APR5.49%
Term5 Years
Last UpdatedMay 2, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
View
▼
APR5.49%
Term75 months
Last UpdatedMay 2, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details

As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
5.50%
1-3 Year
View
▼
APR5.50%
Term1-3 Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match program!

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 73 Months
5.50%
73 Months
View
▼
APR5.50%
Term73 Months
Last UpdatedMay 2, 2026
Details

$20,000+

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedMay 2, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 84 Month Fixed
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 25, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
5.75%
4-Year
View
▼
APR5.75%
Term4-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match program!

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 84 Months
5.95%
84 Months
View
▼
APR5.95%
Term84 Months
Last UpdatedMay 2, 2026
Details

$30,000+

Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 5 years old)
5.99%
5 Years
View
▼
APR5.99%
Term5 Years
Last UpdatedMay 2, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 96 Month Fixed
6.00%
96 Months
View
▼
APR6.00%
Term96 Months
Last UpdatedApr 25, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
6.00%
5-Year
View
▼
APR6.00%
Term5-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match program!

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
6.10%
84 months
View
▼
APR6.10%
Term84 months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
6.10%
84 months
View
▼
APR6.10%
Term84 months
Last UpdatedMay 2, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 25, 2026
Details

As Low As

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.24%
72 months
View
▼
APR6.24%
Term72 months
Last UpdatedMay 2, 2026
Details

As Low As

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
6.25%
6-Year
View
▼
APR6.25%
Term6-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match program!

Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 3 years old)
6.49%
3 Years
View
▼
APR6.49%
Term3 Years
Last UpdatedMay 2, 2026
Details

Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
New Auto 2025 - 2026
6.75%
84 Months
View
▼
APR6.75%
Term84 Months
Last UpdatedApr 19, 2026
Details

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
6.99%
84 months
View
▼
APR6.99%
Term84 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.99%
90 months
View
▼
APR6.99%
Term90 months
Last UpdatedMay 2, 2026
Details

As Low As

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
7.49%
48 Months
View
▼
APR7.49%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
7.50%
7-Year
View
▼
APR7.50%
Term7-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match program!

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
4.75%
3 Years
View
▼
APR4.75%
Term3 Years
Last UpdatedMay 2, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
4.80%
36 Months
View
▼
APR4.80%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
5.00%
4 Years
View
▼
APR5.00%
Term4 Years
Last UpdatedMay 2, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos* (Up to 36 months)
5.00%
Up to 36 months
View
▼
APR5.00%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
5.10%
60 Months
View
▼
APR5.10%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos* (Up to 48 months)
5.25%
Up to 48 months
View
▼
APR5.25%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
5.70%
72 Months
View
▼
APR5.70%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
5.75%
5 Years
View
▼
APR5.75%
Term5 Years
Last UpdatedMay 2, 2026
Details

Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos* (Up to 72 months)
5.90%
Up to 72 months
View
▼
APR5.90%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

As Low As

Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos* (Up to 60 months)
5.99%
Up to 60 months
View
▼
APR5.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
6.00%
36 Months
View
▼
APR6.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; (6 model years or older)

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
6.25%
6 Years
View
▼
APR6.25%
Term6 Years
Last UpdatedMay 2, 2026
Details

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Used Automobile
6.25%
4 Years
View
▼
APR6.25%
Term4 Years
Last UpdatedMay 2, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
6.50%
48 Months
View
▼
APR6.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; (6 model years or older)

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
6.55%
84 Months
View
▼
APR6.55%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Used Automobile
6.75%
5 Years
View
▼
APR6.75%
Term5 Years
Last UpdatedMay 2, 2026
Details

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile
7.00%
7 Years
View
▼
APR7.00%
Term7 Years
Last UpdatedMay 2, 2026
Details

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Used Automobile
7.50%
6 Years
View
▼
APR7.50%
Term6 Years
Last UpdatedMay 2, 2026
Details

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Older Used Automobile
8.00%
3 Years
View
▼
APR8.00%
Term3 Years
Last UpdatedMay 2, 2026
Details

Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Older Used Automobile
8.25%
4 Years
View
▼
APR8.25%
Term4 Years
Last UpdatedMay 2, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
9178 Parkway E, Birmingham, AL, 35206 1507
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
View
▼
APR8.57%
Term72 Months
Last UpdatedMay 2, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
2.49%
Up to 24 Months
View
▼
APR2.49%
TermUp to 24 Months
Last UpdatedApr 25, 2026
Details

As Low As

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
New & Used Autos, Truck, Vans
2.95%
102 Months
View
▼
APR2.95%
Term102 Months
Last UpdatedMay 4, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
3.24%
48 Months
View
▼
APR3.24%
Term48 Months
Last UpdatedApr 25, 2026
Details

As Low As

Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
New and Used Auto
3.25%
72 Months
View
▼
APR3.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
3.49%
Up to 24 months
View
▼
APR3.49%
TermUp to 24 months
Last UpdatedApr 25, 2026
Details

As Low As

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars and Trucks Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; NADA Retail Value Maximum

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars and Trucks Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Used Autos (2024-2020)
3.99%
up to 36 Months
View
▼
APR3.99%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2026- 2024
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

Marvel City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Auto Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars and Trucks Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
4.24%
48 months
View
▼
APR4.24%
Term48 months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Financing or more
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 2, 2026
Details

$20,000

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2023 - 2022
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
4.95%
48 Months
View
▼
APR4.95%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2017-2024) - 36 Months
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Financing or more
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

$30,000

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2021 - Older
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedMay 2, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedMay 2, 2026
Details

As Low As

Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Car
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car 60 Month Fixed
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 25, 2026
Details

Railroad Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Used car / truck purchase (3 model years & older), 60 month max term.
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
5.15%
60 Months
View
▼
APR5.15%
Term60 Months
Last UpdatedMay 2, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details

As Low As

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
View
▼
APR5.24%
Term66 months
Last UpdatedMay 2, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2017-2024) - 61 Months
5.25%
61 Months
View
▼
APR5.25%
Term61 Months
Last UpdatedMay 2, 2026
Details

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - Used (4 year old and older)
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
5.45%
72 Months
View
▼
APR5.45%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - Used (4 year old and older)
5.45%
60 Months
View
▼
APR5.45%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
5.45%
72 Months
View
▼
APR5.45%
Term72 Months
Last UpdatedMay 2, 2026
Details

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car 72 Month Fixed
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedApr 25, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.74%
75 months
View
▼
APR5.74%
Term75 months
Last UpdatedMay 2, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2017-2024) - 73 Months
5.75%
73 Months
View
▼
APR5.75%
Term73 Months
Last UpdatedMay 2, 2026
Details

$20,000+

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - Used (4 year old and older)
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
5.99%
48 months
View
▼
APR5.99%
Term48 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Used Autos (2019-2015)
5.99%
Up to 36 Months
View
▼
APR5.99%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Used Autos
5.99%
up to 84 months
View
▼
APR5.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details

Rates subject to credit score, loan term, collateral age/mileage

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedMay 2, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car 84 Month Fixed
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedApr 25, 2026
Details

TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 25, 2026
Details

As Low As

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.24%
72 months
View
▼
APR6.24%
Term72 months
Last UpdatedMay 2, 2026
Details

As Low As

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
6.24%
36 months
View
▼
APR6.24%
Term36 months
Last UpdatedMay 2, 2026
Details

As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.25%
1-3 Year
View
▼
APR6.25%
Term1-3 Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Auto
6.49%
Up to 60 Months
View
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.50%
4-Year
View
▼
APR6.50%
Term4-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2016 & Older) - 36 Months
6.50%
36 Months
View
▼
APR6.50%
Term36 Months
Last UpdatedMay 2, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
6.74%
48 months
View
▼
APR6.74%
Term48 months
Last UpdatedMay 2, 2026
Details

As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.75%
5-Year
View
▼
APR6.75%
Term5-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2016 & Older) - 61 Months
6.75%
61 Months
View
▼
APR6.75%
Term61 Months
Last UpdatedMay 2, 2026
Details

$10,000+

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
6.79%
60 months
View
▼
APR6.79%
Term60 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
6.99%
72 months
View
▼
APR6.99%
Term72 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.99%
90 months
View
▼
APR6.99%
Term90 months
Last UpdatedMay 2, 2026
Details

As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
7.00%
6-Year
View
▼
APR7.00%
Term6-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Used Auto (2014 & Older)
7.25%
Up to 36 Months
View
▼
APR7.25%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
7.50%
84 months
View
▼
APR7.50%
Term84 months
Last UpdatedApr 25, 2026
Details

As low as; NJ vehicles only.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
7.74%
60 months
View
▼
APR7.74%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As

Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Auto
7.99%
Up to 36 Months
View
▼
APR7.99%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto

Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (Used Over 5 years old with loan value of
7.99%
5 Years
View
▼
APR7.99%
Term5 Years
Last UpdatedMay 2, 2026
Details

$15,000+

Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (Used Over 5 years old)
7.99%
5 Years
View
▼
APR7.99%
Term5 Years
Last UpdatedMay 2, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
8.00%
7-Year
View
▼
APR8.00%
Term7-Year
Last UpdatedApr 25, 2026
Details

As Low As; Ask about our Auto Loan rate match

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
8.49%
72 months
View
▼
APR8.49%
Term72 months
Last UpdatedMay 2, 2026
Details

As Low As

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
9.24%
90 months
View
▼
APR9.24%
Term90 months
Last UpdatedMay 2, 2026
Details

As Low As

Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
Used Auto 2016 - 2024
10.25%
72 Months
View
▼
APR10.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Birmingham, AL Auto Loan Rate Trends

Compare local Birmingham, AL auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Alabama Auto Trends →
New Auto Loan — AL Avg
5.251%
▲ 0.005 vs 7 days ago

Alabama new auto rates rose 0.005 points over the past 7 days to 5.251% APR.

Used Auto Loan — AL Avg
6.220%
▼ 0.043 vs 7 days ago

Alabama used auto rates fell 0.043 points over the past 7 days to 6.220% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Birmingham, Alabama

How does my credit score affect my car loan rate in Alabama?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Birmingham, Alabama with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Alabama *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Birmingham, Alabama typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Birmingham, Alabama?

Based on our current data, some of the lowest auto loan rates available in Birmingham, Alabama include:
  • Legacy Community Federal Credit Union: 4.50% (Vehicle Loans)
  • APCO Employees Credit Union: 4.60% (NEW AUTO)
  • eCO Credit Union: 4.70% (New Auto)
  • Social Security Credit Union: 4.75% (New/Used Automobile)
  • Federal Employees Credit Union: 5.00% (New & Used Autos* (Up to 36 months))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Birmingham, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026

Birmingham, Alabama Rates & Resources

$
Birmingham, Alabama CD Rates
$
Birmingham, Alabama Savings Rates
$
Birmingham, Alabama Money Market Rates
$
Birmingham, Alabama Mortgage Rates
$
Birmingham, Alabama Checking Account Rates
$
Birmingham, Alabama Personal Loan Rates