Auto Loan Rates in Muscle Shoals, Alabama (AL) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
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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 Muscle Shoals, Alabama. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Muscle Shoals, Alabama include Alabama Central Credit UnionAlabama Central Credit Union743 Avalon Ave, Muscle Shoals, AL, 35661 2303A+5.0 ★Texas Ratio: 0.75% offering Auto Loans at 4.99%, Valley Credit Union Tuscumbia, ALValley Credit Union Tuscumbia, AL2500 AVALON AVE, MUSCLE SHOALS, AL, 35661A+5.0 ★Texas Ratio: 0.53% offering New/Used Autos 2023 & Newer at 4.99%, TVA Community Credit UnionTVA Community Credit Union1010 Reservation Road, Muscle Shoals, AL, 35661A+5.0 ★Texas Ratio: 0.71% offering Auto Loans - New & Used (Current year model and 3 previous years) at 5.15%, Family Security Credit UnionFamily Security Credit Union2015 Avalon Ave, Muscle Shoals, AL, 35661A+5.0 ★Texas Ratio: 1.42% offering Auto Loan at 5.34%, Listerhill Credit UnionListerhill Credit Union4790 2nd St, Muscle Shoals, AL, 35661 1285A+5.0 ★Texas Ratio: 4.62% offering Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles at 5.74%. Auto loan rates as of March 26, 2026 according to verified data from MonitorBankRates.
Auto loan rates in Muscle Shoals, Alabama are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Muscle Shoals, Alabama. Auto Loan Rates Last Updated and Verified: March 26, 2026
Compare Auto Loan Rates Today in Muscle Shoals, Alabama & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Auto Loans
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
New/Used Autos 2023 & Newer
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - New & Used (Current year model and 3 previous years)
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Auto Loans
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
New/Used Autos 2023 & Newer
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 22, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
2015 Avalon Ave, Muscle Shoals, AL, 35661
Auto Loan
5.34%
36 Months
▼
APR5.34%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - New & Used (Current year model and 3 previous years)
5.35%
60 Months
▼
APR5.35%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - Used (4 year old and older)
5.35%
48 Months
▼
APR5.35%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Auto Loans
5.50%
75 Months
▼
APR5.50%
Term75 Months
Last UpdatedMar 16, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
New/Used Autos 2023 & Newer
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMar 22, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - New & Used (Current year model and 3 previous years)
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
2015 Avalon Ave, Muscle Shoals, AL, 35661
Auto Loan
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - Used (4 year old and older)
5.65%
60 Months
▼
APR5.65%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedMar 24, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - Used (4 year old and older)
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Auto Loans
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
Used Autos 2017-2022
5.99%
up to 60 Months
▼
APR5.99%
Termup to 60 Months
Last UpdatedMar 22, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedMar 24, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans Previous 3 Years and up - More Than 30,000 miles
6.24%
66 Months
▼
APR6.24%
Term66 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 months
▼
APR6.24%
Term75 months
Last UpdatedMar 24, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Auto Loans
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - New & Used (Current year model and 3 previous years)
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
New/Used Autos 2023 & Newer
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 22, 2026
Details
Family Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
2015 Avalon Ave, Muscle Shoals, AL, 35661
Auto Loan
6.34%
84 Months
▼
APR6.34%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
2015 Avalon Ave, Muscle Shoals, AL, 35661
Vehicle Loan
6.34%
36 Months
▼
APR6.34%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
Used Autos 2017-2022
6.49%
up to 72 Months
▼
APR6.49%
Termup to 72 Months
Last UpdatedMar 22, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans Previous 3 Years and up - More Than 30,000 miles
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedMar 24, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Auto Loans
6.50%
75 Months
▼
APR6.50%
Term75 Months
Last UpdatedMar 16, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
2015 Avalon Ave, Muscle Shoals, AL, 35661
Vehicle Loan
6.60%
72 Months
▼
APR6.60%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
Used Autos 2016 & Older
6.95%
up to 60 Months
▼
APR6.95%
Termup to 60 Months
Last UpdatedMar 22, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Auto Loans
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans Used Auto (4-6 years old)
6.99%
75 Months
▼
APR6.99%
Term75 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Used Auto (4-6 years old)
6.99%
75 months
▼
APR6.99%
Term75 months
Last UpdatedMar 24, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.24%
36 months
▼
APR7.24%
Term36 months
Last UpdatedMar 24, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Auto Loans
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.49%
66 months
▼
APR7.49%
Term66 months
Last UpdatedMar 24, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Auto Loans
7.50%
75 Months
▼
APR7.50%
Term75 Months
Last UpdatedMar 16, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Antique Automobiles (25 yrs old)
7.74%
75 months
▼
APR7.74%
Term75 months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans Antique Automobiles (25 yrs old)
7.74%
75 Months
▼
APR7.74%
Term75 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.74%
96 Months
▼
APR7.74%
Term96 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans Used Auto (7-24 Years)
7.74%
75 Months
▼
APR7.74%
Term75 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.74%
96 months
▼
APR7.74%
Term96 months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Used Auto (7-24 Years)
7.74%
75 months
▼
APR7.74%
Term75 months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.79%
75 months
▼
APR7.79%
Term75 months
Last UpdatedMar 24, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Used Auto (4-6 years old)
7.99%
72 months
▼
APR7.99%
Term72 months
Last UpdatedMar 24, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Auto Loans
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Rebuilt Automobiles
8.25%
Terms based on year
▼
APR8.25%
TermTerms based on year
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
8.54%
84 months
▼
APR8.54%
Term84 months
Last UpdatedMar 24, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Antique Automobiles (25 yrs old)
9.24%
72 months
▼
APR9.24%
Term72 months
Last UpdatedMar 24, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Used Auto (7-24 Years)
9.24%
72 months
▼
APR9.24%
Term72 months
Last UpdatedMar 24, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Rebuilt Automobiles
9.25%
Terms based on year
▼
APR9.25%
TermTerms based on year
Last UpdatedMar 24, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
9.29%
96 months
▼
APR9.29%
Term96 months
Last UpdatedMar 24, 2026
Details
Marvel City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
316 17th St N, Bessemer, AL, 35020
NEW Auto Loan
2.00%
84 Months
▼
APR2.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Shopping for a new car, or a car with under 30,000 miles? Finance up to $25,000.00
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Auto Loans
2.99%
up to 48
▼
APR2.99%
Termup to 48
Last UpdatedMar 22, 2026
Details
As Low As
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
345 PERRY HILL RD, MONTGOMERY, AL, 36109
New and Used Auto
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As; 100% Financing
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As; NADA Retail Value Maximum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
New & Used Autos, Truck, Vans
3.70%
102 Months
▼
APR3.70%
Term102 Months
Last UpdatedMar 21, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
New Autos (2026, 2025 w/less than 15,000 miles)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
Used Autos (2024-2020)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2026- 2024
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans 48 Month Term
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
Used Auto (2002 - 2020)
4.34%
12 Months
▼
APR4.34%
Term12 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 12 months
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
4.39%
12 Months
▼
APR4.39%
Term12 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 12 months
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
New Cars, Trucks, Vans (2022 and Newer)
4.49%
24 to 84 months
▼
APR4.49%
Term24 to 84 months
Last UpdatedMar 22, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 22, 2026
Details
Financing $20,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2023 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 22, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
New & Up To 5 Years Old Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 26, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL, 36604 2713
New Auto
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Current year + 2 previous years
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
New or Used Vehicle 2022 or newer
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
4.50%
up to 36 Months
▼
APR4.50%
Termup to 36 Months
Last UpdatedMar 25, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.60%
51 Months
▼
APR4.60%
Term51 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
4.69%
24 Months
▼
APR4.69%
Term24 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 24 months
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
63 Months
▼
APR4.70%
Term63 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
51 Months
▼
APR4.70%
Term51 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2023-2018
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
▼
APR4.70%
Term36 Months
Last UpdatedMar 25, 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 Loan
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As; Current or up to 2 yrs. old
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto 2026-2021
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMar 26, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
New, Used & Refinanced Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 26, 2026
Details
As Low As; Regular APR: 9.99%
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
Auto Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans 60 Month Term
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans 48 Month Term
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
New Car
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Auto Loans
4.75%
49 to 66
▼
APR4.75%
Term49 to 66
Last UpdatedMar 22, 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 (2 Years or Newer)
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMar 24, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Up to 60 Months
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
New Vehicle
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedMar 24, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
New/Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Used Vehicle 2014 or newer
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedMar 24, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Used Vehicles with over 150,000 Miles - 2014 or Newer
4.75%
up to 60 Months
▼
APR4.75%
Termup to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 25, 2026
Details
Birmingham City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL, 35207 2839
Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 25, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
Used Auto (2002 - 2020)
4.80%
24 Months
▼
APR4.80%
Term24 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 24 months
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.80%
63 Months
▼
APR4.80%
Term63 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2023-2018
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
▼
APR4.80%
Term48 Months
Last UpdatedMar 25, 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 Loan
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 25, 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
▼
APR4.80%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedMar 22, 2026
Details
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
▼
APR4.90%
Term60 Months
Last UpdatedMar 25, 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 Loan
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 25, 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
▼
APR4.90%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans 72 Month Term
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 20, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027)
4.95%
61 Months
▼
APR4.95%
Term61 Months
Last UpdatedMar 25, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 36 months
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2020-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 21, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 21, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
Financing $30,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2021 - Older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
New & Up To 5 Years Old Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Mobile, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
220 Furr St, Mobile, AL, 36607
USED VEHICLES
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 25, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 26, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 26, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
New/ Newer Autos
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedMar 26, 2026
Details
Rates subject to credit score, loan term, collateral age/mileage
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
New or Used Car
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans 60 Month Term
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
Used Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 22, 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*
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 23, 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 (2 Years or Newer)
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMar 24, 2026
Details
ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
5401 E Lake Blvd Bldg 630, Birmingham, AL, 35217 3545
Autos
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
1731 Noble St, Anniston, AL, 36201
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 26, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
5.05%
up to 63 Months
▼
APR5.05%
Termup to 63 Months
Last UpdatedMar 25, 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
▼
APR5.10%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loan
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMar 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
Used Automobiles
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMar 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
Auto Loan
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMar 26, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
New, Used & Refinanced Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 26, 2026
Details
As Low As; Regular APR: 12.99%
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; NJ vehicles only.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Auto Loans
5.25%
67 to 78
▼
APR5.25%
Term67 to 78
Last UpdatedMar 22, 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*
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 24, 2026
Details
Up to 72 Months
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
5401 E Lake Blvd Bldg 630, Birmingham, AL, 35217 3545
Autos
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
Birmingham City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL, 35207 2839
Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 25, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
1731 Noble St, Anniston, AL, 36201
Used Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 26, 2026
Details
As Low As; $10,000 or more to Finance
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 48 months
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedMar 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks
5.30%
66 Months
▼
APR5.30%
Term66 Months
Last UpdatedMar 24, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Auto Loan
5.33%
0-36
▼
APR5.33%
Term0-36
Last UpdatedMar 22, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
Used Auto (2002 - 2020)
5.34%
36 Months
▼
APR5.34%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 36 months
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL, 35660 2517
New Vehicles
5.35%
5 Years
▼
APR5.35%
Term5 Years
Last UpdatedMar 26, 2026
Details
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
▼
APR5.40%
Term72 Months
Last UpdatedMar 25, 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 Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As; Current or up to 2 yrs. old
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loan
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 22, 2026
Details
United Bank (AL)
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Auto Loan
5.48%
0-36
▼
APR5.48%
Term0-36
Last UpdatedMar 22, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2020-2026)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMar 16, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; NJ vehicles only.
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMar 21, 2026
Details
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
New Cars, Trucks, Vans (2022 and Newer)
5.49%
24 to 84 months
▼
APR5.49%
Term24 to 84 months
Last UpdatedMar 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
New & Up To 5 Years Old Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMar 25, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 26, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 26, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 26, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
Used Car
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedMar 24, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027)
5.50%
73 Months
▼
APR5.50%
Term73 Months
Last UpdatedMar 25, 2026
Details
ANG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
5401 E Lake Blvd Bldg 630, Birmingham, AL, 35217 3545
Autos
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 60 months
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
New/Used Autos 2023 & Newer
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - New & Used (Current year model and 3 previous years)
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
New/Used Autos 2023 & Newer
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 22, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - New & Used (Current year model and 3 previous years)
5.35%
60 Months
▼
APR5.35%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
New/Used Autos 2023 & Newer
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMar 22, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - New & Used (Current year model and 3 previous years)
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 months
▼
APR6.24%
Term75 months
Last UpdatedMar 24, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - New & Used (Current year model and 3 previous years)
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
New/Used Autos 2023 & Newer
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 22, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.24%
36 months
▼
APR7.24%
Term36 months
Last UpdatedMar 24, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.49%
66 months
▼
APR7.49%
Term66 months
Last UpdatedMar 24, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.74%
96 Months
▼
APR7.74%
Term96 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.74%
96 months
▼
APR7.74%
Term96 months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.79%
75 months
▼
APR7.79%
Term75 months
Last UpdatedMar 24, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
8.54%
84 months
▼
APR8.54%
Term84 months
Last UpdatedMar 24, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
New Auto and Previous 3 Years and Up - Less than 30,000 miles
9.29%
96 months
▼
APR9.29%
Term96 months
Last UpdatedMar 24, 2026
Details
Marvel City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
316 17th St N, Bessemer, AL, 35020
NEW Auto Loan
2.00%
84 Months
▼
APR2.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Shopping for a new car, or a car with under 30,000 miles? Finance up to $25,000.00
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
345 PERRY HILL RD, MONTGOMERY, AL, 36109
New and Used Auto
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As; 100% Financing
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
New & Used Autos, Truck, Vans
3.70%
102 Months
▼
APR3.70%
Term102 Months
Last UpdatedMar 21, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
New Autos (2026, 2025 w/less than 15,000 miles)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2026- 2024
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans 48 Month Term
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
4.39%
12 Months
▼
APR4.39%
Term12 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 12 months
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
New Cars, Trucks, Vans (2022 and Newer)
4.49%
24 to 84 months
▼
APR4.49%
Term24 to 84 months
Last UpdatedMar 22, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 22, 2026
Details
Financing $20,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2023 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 22, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
New & Up To 5 Years Old Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 26, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL, 36604 2713
New Auto
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Current year + 2 previous years
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
New or Used Vehicle 2022 or newer
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
4.50%
up to 36 Months
▼
APR4.50%
Termup to 36 Months
Last UpdatedMar 25, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.60%
51 Months
▼
APR4.60%
Term51 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
4.69%
24 Months
▼
APR4.69%
Term24 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 24 months
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
63 Months
▼
APR4.70%
Term63 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
51 Months
▼
APR4.70%
Term51 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2023-2018
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
▼
APR4.70%
Term36 Months
Last UpdatedMar 25, 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 Loan
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As; Current or up to 2 yrs. old
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto 2026-2021
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
New, Used & Refinanced Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 26, 2026
Details
As Low As; Regular APR: 9.99%
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans 60 Month Term
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
New Car
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 21, 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 (2 Years or Newer)
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMar 24, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Up to 60 Months
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
New Vehicle
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedMar 24, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
New/Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Used Vehicle 2014 or newer
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedMar 24, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Used Vehicles with over 150,000 Miles - 2014 or Newer
4.75%
up to 60 Months
▼
APR4.75%
Termup to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 25, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.80%
63 Months
▼
APR4.80%
Term63 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2023-2018
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
▼
APR4.80%
Term48 Months
Last UpdatedMar 25, 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 Loan
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As; Current or up to 2 yrs. old
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedMar 22, 2026
Details
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
▼
APR4.90%
Term60 Months
Last UpdatedMar 25, 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 Loan
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As; Current or up to 2 yrs. old
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans 72 Month Term
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 20, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027)
4.95%
61 Months
▼
APR4.95%
Term61 Months
Last UpdatedMar 25, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 36 months
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2020-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 21, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
Financing $30,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2021 - Older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
New & Up To 5 Years Old Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 25, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 26, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
New/ Newer Autos
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedMar 26, 2026
Details
Rates subject to credit score, loan term, collateral age/mileage
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
New or Used Car
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 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%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedMar 22, 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*
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 23, 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 (2 Years or Newer)
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMar 24, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
5.05%
up to 63 Months
▼
APR5.05%
Termup to 63 Months
Last UpdatedMar 25, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
New, Used & Refinanced Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 26, 2026
Details
As Low As; Regular APR: 12.99%
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; NJ vehicles only.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 21, 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*
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 24, 2026
Details
Up to 72 Months
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 48 months
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedMar 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks
5.30%
66 Months
▼
APR5.30%
Term66 Months
Last UpdatedMar 24, 2026
Details
As Low As
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL, 35660 2517
New Vehicles
5.35%
5 Years
▼
APR5.35%
Term5 Years
Last UpdatedMar 26, 2026
Details
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
▼
APR5.40%
Term72 Months
Last UpdatedMar 25, 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 Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As; Current or up to 2 yrs. old
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2020-2026)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMar 16, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMar 21, 2026
Details
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
New Cars, Trucks, Vans (2022 and Newer)
5.49%
24 to 84 months
▼
APR5.49%
Term24 to 84 months
Last UpdatedMar 22, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
New & Up To 5 Years Old Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMar 25, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 26, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedMar 24, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027)
5.50%
73 Months
▼
APR5.50%
Term73 Months
Last UpdatedMar 25, 2026
Details
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 60 months
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
New/Used Autos 2023 & Newer
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - New & Used (Current year model and 3 previous years)
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
New/Used Autos 2023 & Newer
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 22, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - New & Used (Current year model and 3 previous years)
5.35%
60 Months
▼
APR5.35%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - Used (4 year old and older)
5.35%
48 Months
▼
APR5.35%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
New/Used Autos 2023 & Newer
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMar 22, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - New & Used (Current year model and 3 previous years)
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - Used (4 year old and older)
5.65%
60 Months
▼
APR5.65%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - Used (4 year old and older)
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
Used Autos 2017-2022
5.99%
up to 60 Months
▼
APR5.99%
Termup to 60 Months
Last UpdatedMar 22, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Auto Loans - New & Used (Current year model and 3 previous years)
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
New/Used Autos 2023 & Newer
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 22, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
Used Autos 2017-2022
6.49%
up to 72 Months
▼
APR6.49%
Termup to 72 Months
Last UpdatedMar 22, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
Used Autos 2016 & Older
6.95%
up to 60 Months
▼
APR6.95%
Termup to 60 Months
Last UpdatedMar 22, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans Used Auto (4-6 years old)
6.99%
75 Months
▼
APR6.99%
Term75 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Used Auto (4-6 years old)
6.99%
75 months
▼
APR6.99%
Term75 months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Auto Loans Used Auto (7-24 Years)
7.74%
75 Months
▼
APR7.74%
Term75 Months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Used Auto (7-24 Years)
7.74%
75 months
▼
APR7.74%
Term75 months
Last UpdatedMar 24, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Used Auto (4-6 years old)
7.99%
72 months
▼
APR7.99%
Term72 months
Last UpdatedMar 24, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Used Auto (7-24 Years)
9.24%
72 months
▼
APR9.24%
Term72 months
Last UpdatedMar 24, 2026
Details
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
345 PERRY HILL RD, MONTGOMERY, AL, 36109
New and Used Auto
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As; NADA Retail Value Maximum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
New & Used Autos, Truck, Vans
3.70%
102 Months
▼
APR3.70%
Term102 Months
Last UpdatedMar 21, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
Used Autos (2024-2020)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2026- 2024
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
Used Auto (2002 - 2020)
4.34%
12 Months
▼
APR4.34%
Term12 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 12 months
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 22, 2026
Details
Financing $20,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2023 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 22, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 26, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
New or Used Vehicle 2022 or newer
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
4.50%
up to 36 Months
▼
APR4.50%
Termup to 36 Months
Last UpdatedMar 25, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.60%
51 Months
▼
APR4.60%
Term51 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
63 Months
▼
APR4.70%
Term63 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
51 Months
▼
APR4.70%
Term51 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2023-2018
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
New, Used & Refinanced Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 26, 2026
Details
As Low As; Regular APR: 9.99%
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans 48 Month Term
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 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 (2 Years or Newer)
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMar 24, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
New/Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Used Vehicle 2014 or newer
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedMar 24, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Used Vehicles with over 150,000 Miles - 2014 or Newer
4.75%
up to 60 Months
▼
APR4.75%
Termup to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
Used Auto (2002 - 2020)
4.80%
24 Months
▼
APR4.80%
Term24 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 24 months
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.80%
63 Months
▼
APR4.80%
Term63 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2023-2018
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
▼
APR4.80%
Term36 Months
Last UpdatedMar 25, 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
▼
APR4.90%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2020-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 21, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
Financing $30,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2021 - Older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
Blue Flame Credit Union Mobile, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
220 Furr St, Mobile, AL, 36607
USED VEHICLES
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 26, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 26, 2026
Details
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
New or Used Car
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans 60 Month Term
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
Used Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 22, 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*
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 23, 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 (2 Years or Newer)
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMar 24, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
1731 Noble St, Anniston, AL, 36201
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 26, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
5.05%
up to 63 Months
▼
APR5.05%
Termup to 63 Months
Last UpdatedMar 25, 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
▼
APR5.10%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loan
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMar 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
Used Automobiles
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMar 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
New, Used & Refinanced Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 26, 2026
Details
As Low As; Regular APR: 12.99%
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos*
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
1731 Noble St, Anniston, AL, 36201
Used Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 26, 2026
Details
As Low As; $10,000 or more to Finance
Northeast Alabama Postal FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
Used Auto (2002 - 2020)
5.34%
36 Months
▼
APR5.34%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 36 months
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loan
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 22, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2020-2026)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMar 16, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; NJ vehicles only.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 26, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 26, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 26, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
Used Car
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
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National Auto Loan Rate Trends
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New Auto Loan — National Avg APR
6.039%
▲ 0.196 from last week
New auto loan rates rose 0.196 points this week to 6.039% APR, up from 5.843% last week.
Used Auto Loan — National Avg APR
6.644%
▲ 0.012 from last week
Used auto loan rates rose 0.012 points this week to 6.644% APR, up from 6.633% last week.
National averages as of Mar 26, 2026 • Weekly data from 8,500+ U.S. banks & credit unions
Powered byMonitorBankRates
Frequently Asked Questions about Auto Loans in Muscle Shoals, 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 Muscle Shoals, 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 Muscle Shoals, 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 Muscle Shoals, Alabama?
Based on our current data, some of the lowest auto loan rates available in Muscle Shoals, Alabama include:
- Alabama Central Credit Union: 4.99% (Auto Loans)
- Valley Credit Union Tuscumbia, AL: 4.99% (New/Used Autos 2023 & Newer)
- TVA Community Credit Union: 5.15% (Auto Loans - New & Used (Current year model and 3 previous years))
- Family Security Credit Union: 5.34% (Auto Loan)
- Listerhill Credit Union: 5.74% (Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Muscle Shoals, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 26, 2026
