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Best Personal Loan Rates in Cullman, Alabama (AL) - March 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Alabama borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: March 21, 2026

Current personal loan options available to borrowers in Cullman, Alabama include: Listerhill Credit UnionListerhill Credit Union1850C Cherokee Ave SW Ste C, Cullman, AL, 35055 5546A+5.0 ★Texas Ratio: 4.62% offering Land Loan at 6.75% APR, Alabama Credit UnionAlabama Credit Union1901 Main Ave SW, Cullman, AL, 35055A5.0 ★Texas Ratio: 6.17% offering Lifestyle Loan at 6.75% APR, Legacy Community Federal Credit UnionLegacy Community Federal Credit Union420 2nd Ave SW, Cullman, AL, 35055 4107A+5.0 ★Texas Ratio: 1.54% offering Holiday Loan at 7.70% APR, Family Security Credit UnionFamily Security Credit Union811 2nd Ave NW, Cullman, AL, 35055A+5.0 ★Texas Ratio: 1.42% offering Loan at 10.99% APR, and St Thomas Federal Credit UnionSt Thomas Federal Credit Union23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397A+5.0 ★Texas Ratio: 0.76% offering Relief Loan at 4.00% APR.

Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Cullman, Alabama can save you significantly over the life of your loan.

We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Cullman, Alabama.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cullman, Alabama. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: March 21, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1850C Cherokee Ave SW Ste C, Cullman, AL, 35055 5546
Land Loan
6.75%
View
▼
APR6.75%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
1901 Main Ave SW, Cullman, AL, 35055
Lifestyle Loan
6.75%
View
▼
APR6.75%
Last UpdatedMarch 22, 2026
Details

As Low As

Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
1901 Main Ave SW, Cullman, AL, 35055
Land Loans Up To 20 Acres
7.43%
View
▼
APR7.43%
Last UpdatedMarch 22, 2026
Details

Loan to Value %: 70%

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1850C Cherokee Ave SW Ste C, Cullman, AL, 35055 5546
Construction Loan
7.49%
View
▼
APR7.49%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
420 2nd Ave SW, Cullman, AL, 35055 4107
Holiday Loan
7.70%
View
▼
APR7.70%
Last UpdatedMarch 22, 2026
Details

Loan amount: $500 - $1,500. Promotional Period: October 1, 2025 through January 30, 2026

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1850C Cherokee Ave SW Ste C, Cullman, AL, 35055 5546
Recreational Loans Used Waverunner
8.75%
View
▼
APR8.75%
Last UpdatedMarch 22, 2026
Details

As Low As

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1850C Cherokee Ave SW Ste C, Cullman, AL, 35055 5546
Construction Loan
9.24%
View
▼
APR9.24%
Last UpdatedMarch 22, 2026
Details

As Low As

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
420 2nd Ave SW, Cullman, AL, 35055 4107
Open-end Lifestyle Loan
9.75%
View
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details

As Low As

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
420 2nd Ave SW, Cullman, AL, 35055 4107
Closed-end Lifestyle Loan
9.75%
View
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details

As Low As

Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
1901 Main Ave SW, Cullman, AL, 35055
Personal Property
9.75%
View
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details

As Low As

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
811 2nd Ave NW, Cullman, AL, 35055
Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
811 2nd Ave NW, Cullman, AL, 35055
Other Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1850C Cherokee Ave SW Ste C, Cullman, AL, 35055 5546
Personal Loans Unsecured Personal
11.24%
View
▼
APR11.24%
Last UpdatedMarch 22, 2026
Details

As Low As

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1850C Cherokee Ave SW Ste C, Cullman, AL, 35055 5546
Unsecured Personal
11.24%
View
▼
APR11.24%
Last UpdatedMarch 22, 2026
Details

As Low As

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1850C Cherokee Ave SW Ste C, Cullman, AL, 35055 5546
Unsecured Personal Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 22, 2026
Details

As Low As

Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
1901 Main Ave SW, Cullman, AL, 35055
Vacation Loan
12.00%
View
▼
APR12.00%
Last UpdatedMarch 22, 2026
Details

Must have a direct deposit established with ACU to qualify.

St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Relief Loan
4.00%
View
▼
APR4.00%
Last UpdatedMarch 22, 2026
Details

As Low As

City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034
Loans
4.50%
View
▼
APR4.50%
Last UpdatedMarch 22, 2026
Details

APR fixed

City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034
Loans
4.75%
View
▼
APR4.75%
Last UpdatedMarch 22, 2026
Details

APR fixed

Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
New Lawn Mower Loan
4.99%
View
▼
APR4.99%
Last UpdatedMarch 22, 2026
Details

As Low As; mo

Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
New Tractor Loan
4.99%
View
▼
APR4.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Credit Builder Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Jumpstart (Apprentice) Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034
Loans
5.00%
View
▼
APR5.00%
Last UpdatedMarch 22, 2026
Details

APR fixed

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
555 Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 22, 2026
Details

Fixed at 5.00% up to 5 years

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL, 35210 1512
New / used 75 mo. / K or > loan amt. (current & prior 2 model years) **
5.25%
View
▼
APR5.25%
Last UpdatedMarch 22, 2026
Details

$20

City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034
Loans
5.25%
View
▼
APR5.25%
Last UpdatedMarch 22, 2026
Details

APR fixed

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Loan
5.70%
View
▼
APR5.70%
Last UpdatedMarch 22, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Loan
5.95%
View
▼
APR5.95%
Last UpdatedMarch 22, 2026
Details

As Low As

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Emergency Loan
5.99%
View
▼
APR5.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Vocational Income Program Loan
5.99%
View
▼
APR5.99%
Last UpdatedMarch 22, 2026
Details

Fixed at 5.99% up to 5 years

TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL, 35660
Land Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

As Low As

Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Personal Term Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Loan
6.20%
View
▼
APR6.20%
Last UpdatedMarch 22, 2026
Details

As Low As

Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
Norfolk Southern Stock Loan
6.50%
View
▼
APR6.50%
Last UpdatedMarch 22, 2026
Details

75% of stock value

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
6.50%
View
▼
APR6.50%
Last UpdatedMarch 22, 2026
Details

As Low As

Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Construction Loan
6.75%
View
▼
APR6.75%
Last UpdatedMarch 22, 2026
Details

As Low As

Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Land Loan
6.75%
View
▼
APR6.75%
Last UpdatedMarch 22, 2026
Details

As Low As; Fixed rate starts at

Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Construction Loans
6.75%
View
▼
APR6.75%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
With a maximum loan of
6.75%
View
▼
APR6.75%
Last UpdatedMarch 22, 2026
Details

$49,000.00; As Low As

Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
New R.V. Loan
6.75%
View
▼
APR6.75%
Last UpdatedMarch 22, 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
With a maximum loan of
6.95%
View
▼
APR6.95%
Last UpdatedMarch 22, 2026
Details

$49,000.00; As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Loan
6.95%
View
▼
APR6.95%
Last UpdatedMarch 22, 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
Any Season, Any Reason Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Vacation Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Borrow up to $5000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
7.00%
View
▼
APR7.00%
Last UpdatedMarch 22, 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
Any Reason Loan
7.00%
View
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Signature Loans
7.17%
View
▼
APR7.17%
Last UpdatedMarch 22, 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
Personal Loans
7.25%
View
▼
APR7.25%
Last UpdatedMarch 22, 2026
Details

As Low As

Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Personal Unsecured Loan
7.25%
View
▼
APR7.25%
Last UpdatedMarch 22, 2026
Details

No additional details available.

United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Residential Lot/Land Loan3 12 Months
7.40%
View
▼
APR7.40%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Tractor Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 22, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Unsecured / Signature
7.50%
View
▼
APR7.50%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
7.50%
View
▼
APR7.50%
Last UpdatedMarch 22, 2026
Details

As Low As

United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Residential Lot/Land Loan3 12 Months
7.55%
View
▼
APR7.55%
Last UpdatedMarch 22, 2026
Details

No additional details available.

United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Residential Lot/Land Loan3 60 Months
7.55%
View
▼
APR7.55%
Last UpdatedMarch 22, 2026
Details

No additional details available.

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Consumer Loans (Mowers, Furniture, Computers, Appliances, etc.)
7.60%
View
▼
APR7.60%
Last UpdatedMarch 22, 2026
Details

As Low As

United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Residential Lot/Land Loan3 60 Months
7.70%
View
▼
APR7.70%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
7.75%
View
▼
APR7.75%
Last UpdatedMarch 22, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Loan
7.95%
View
▼
APR7.95%
Last UpdatedMarch 22, 2026
Details

As Low As

EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL, 36801 6257
Signature
7.99%
View
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Max amount of $15,000.00

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Any Season, Any Reason Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Tractor Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL, 36615 1286
Personal Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Personal Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Signature Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details

As Low As

St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Revolving Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details

As Low As

St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Consolidation Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 22, 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
Any Reason Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Installment Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details

As Low As

St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Seasonal Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details

As Low As; Borrow from $500 - $3,000; Repay in up to 24 months

Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
22 Inverness Center Pkwy, Hoover, AL, 35242
Credit Builder Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details

1% discount to ["Money wisdom" workshop Graduates](https://neighborhoodtrustfcu.org/financial-wellness)!

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
8.00%
View
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details

As Low As

FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Personal (Unsecured) Loans
8.00%
View
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details

As Low As; $2,500 to $10,000

Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
2915 Pepperell Pkwy, Opelika, AL, 36801 6127
Other Collateral Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 22, 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
Personal Loans
8.25%
View
▼
APR8.25%
Last UpdatedMarch 22, 2026
Details

As Low As

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
Land Loans
8.26%
View
▼
APR8.26%
Last UpdatedMarch 22, 2026
Details

As Low As

United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Residential Lot/Land Loan3 12 Months
8.40%
View
▼
APR8.40%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
23210 us Highway 98 ste b1, Fairhope, AL, 36532 3397
Signature Loans
8.49%
View
▼
APR8.49%
Last UpdatedMarch 22, 2026
Details

As Low As

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
Other Personal Loans/Lines
8.49%
View
▼
APR8.49%
Last UpdatedMarch 22, 2026
Details

As Low As

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Tractor Loans
8.49%
View
▼
APR8.49%
Last UpdatedMarch 22, 2026
Details

As Low As

Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
Used R.V. Loan
8.50%
View
▼
APR8.50%
Last UpdatedMarch 22, 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
Signature W/Collateral
8.50%
View
▼
APR8.50%
Last UpdatedMarch 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
Starter Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Borrow and Save Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 22, 2026
Details

No additional details available.

United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Residential Lot/Land Loan3 60 Months
8.55%
View
▼
APR8.55%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
8.75%
View
▼
APR8.75%
Last UpdatedMarch 22, 2026
Details

As Low As

Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
2915 Pepperell Pkwy, Opelika, AL, 36801 6127
Other Unsecured Loan
8.90%
View
▼
APR8.90%
Last UpdatedMarch 22, 2026
Details

As Low As

Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
2915 Pepperell Pkwy, Opelika, AL, 36801 6127
Unsecured Loan
8.90%
View
▼
APR8.90%
Last UpdatedMarch 22, 2026
Details

As Low As

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
60 Gene E Stewart Blvd, Sylacauga, AL, 35151
Unsecured Loans
8.90%
View
▼
APR8.90%
Last UpdatedMarch 22, 2026
Details

As Low As; Limits up to $30,000

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Personal Loan
8.90%
View
▼
APR8.90%
Last UpdatedMarch 22, 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
Signature Loans
8.95%
View
▼
APR8.95%
Last UpdatedMarch 22, 2026
Details

No additional details available.

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Personal Loan
8.95%
View
▼
APR8.95%
Last UpdatedMarch 22, 2026
Details

As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
Pool Loans
8.95%
View
▼
APR8.95%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loans
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Consolidation Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Personal Loans
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

Rates subject to credit score and term

Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
301 N Elm St, Tuskegee, AL, 36083
Freedom Fast Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details

As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Wedding Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details

As Low As; Borrow up to $15,000. You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.

Rocket City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
2200 Clinton Ave W, Huntsville, AL, 35805 3000
Personal
9.25%
View
▼
APR9.25%
Last UpdatedMarch 22, 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
Personal Loans
9.25%
View
▼
APR9.25%
Last UpdatedMarch 22, 2026
Details

As Low As

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
9.25%
View
▼
APR9.25%
Last UpdatedMarch 22, 2026
Details

No additional details available.

New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
Personal/Signature Loan
9.49%
View
▼
APR9.49%
Last UpdatedMarch 22, 2026
Details

As Low As

FLORENCE
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1505 N Pine St, Florence, AL, 35630 2285
Personal Unsecured
9.50%
View
▼
APR9.50%
Last UpdatedMarch 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
Unsecured
9.50%
View
▼
APR9.50%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
1290 S Donahue Dr, Auburn, AL, 36832 6330
Signature Loans
9.90%
View
▼
APR9.90%
Last UpdatedMarch 22, 2026
Details

As Low As

TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL, 35660
Signature
9.95%
View
▼
APR9.95%
Last UpdatedMarch 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
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Up to $15,000

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL, 35210 1512
Unsecured loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature/Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6470 Spanish Fort Blvd, Spanish Fort, AL, 36527
Personal Unsecured Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Your credit score will determine your rate, maximum loan amount and term.

Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
304 W Montgomery Rd, Tuskegee, AL, 36083 1520
Unsecured Loans A Paper
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
1501 31st Ave N, Birmingham, AL, 35207
Signature/Personal
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
4301 Iverson Blvd, Trinity, AL, 35673
Share Loan
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Personal Loan
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
Signature Loan - Closed End
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Personal Loans
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 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
Personal Loan
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

As Low As

United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Credit Advantage Loan
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
2915 Pepperell Pkwy, Opelika, AL, 36801 6127
Seasonal Loan
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 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
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedMarch 22, 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
Personal Loans
10.25%
View
▼
APR10.25%
Last UpdatedMarch 22, 2026
Details

As Low As

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6470 Spanish Fort Blvd, Spanish Fort, AL, 36527
Personal Unsecured Loan
10.29%
View
▼
APR10.29%
Last UpdatedMarch 22, 2026
Details

As Low As

Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
3722 US Highway 431 N, Phenix City, AL, 36867
Personal Loan
10.39%
View
▼
APR10.39%
Last UpdatedMarch 22, 2026
Details

As Low As; Rates as low as 10.39% APR* with a maximum APR* of 18%

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Personal Loan
10.45%
View
▼
APR10.45%
Last UpdatedMarch 22, 2026
Details

As Low As

Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
Personal
10.49%
View
▼
APR10.49%
Last UpdatedMarch 22, 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
Personal Term Note Loan
10.50%
View
▼
APR10.50%
Last UpdatedMarch 22, 2026
Details

$20,000 Maximum - Individual & Joint; 90 Day Maximum

Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
Personal Loans
10.50%
View
▼
APR10.50%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
Personal Loan
10.50%
View
▼
APR10.50%
Last UpdatedMarch 22, 2026
Details

Up to 48 Months

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
Personal Unsecured Signature - 60 months
10.79%
View
▼
APR10.79%
Last UpdatedMarch 22, 2026
Details

As Low As; Max $50,000

Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
716 Richard Arrington Jr Blvd N, Birmingham, AL, 35203
Personal Signature Loans (Closed End)
10.80%
View
▼
APR10.80%
Last UpdatedMarch 22, 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
Personal Loans Signature
10.80%
View
▼
APR10.80%
Last UpdatedMarch 22, 2026
Details

As Low As; Competitive fixed rates as low as 10.80% on signature loans

Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL, 35207 2839
Signature
10.80%
View
▼
APR10.80%
Last UpdatedMarch 22, 2026
Details

No additional details available.

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Closed End Signature Loan
10.90%
View
▼
APR10.90%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL, 36604 2713
Signature / Unsecured
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
Personal Unsecured Signature - 72 months
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Max $50,000

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Personal Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 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
Personal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As; $15,000 -$25,000

The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL, 36532
Personal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL, 36695
Personal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 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
Personal Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
11.00%
View
▼
APR11.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
Personal Loan
11.00%
View
▼
APR11.00%
Last UpdatedMarch 22, 2026
Details

Up to 60 Months

Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
1400 6TH Ave S, Birmingham, AL, 35233
Signature Loans
11.00%
View
▼
APR11.00%
Last UpdatedMarch 22, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1850C Cherokee Ave SW Ste C, Cullman, AL, 35055 5546
Personal Loans Unsecured Personal
11.24%
View
▼
APR11.24%
Last UpdatedMarch 22, 2026
Details

As Low As

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1850C Cherokee Ave SW Ste C, Cullman, AL, 35055 5546
Unsecured Personal Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 22, 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
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
7.25%
View
▼
APR7.25%
Last UpdatedMarch 22, 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
Personal Loans
7.75%
View
▼
APR7.75%
Last UpdatedMarch 22, 2026
Details

As Low As

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL, 36615 1286
Personal Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Personal Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details

As Low As

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
8.25%
View
▼
APR8.25%
Last UpdatedMarch 22, 2026
Details

As Low As

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
Other Personal Loans/Lines
8.49%
View
▼
APR8.49%
Last UpdatedMarch 22, 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
Personal Loans
8.75%
View
▼
APR8.75%
Last UpdatedMarch 22, 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
Personal Loan
8.90%
View
▼
APR8.90%
Last UpdatedMarch 22, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Personal Loan
8.95%
View
▼
APR8.95%
Last UpdatedMarch 22, 2026
Details

As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loans
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Personal Loans
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

Rates subject to credit score and term

Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
301 N Elm St, Tuskegee, AL, 36083
Freedom Fast Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details

As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
9.25%
View
▼
APR9.25%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
9.25%
View
▼
APR9.25%
Last UpdatedMarch 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
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Up to $15,000

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature/Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Personal Loan
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 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
Personal Loans
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 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
Personal Loan
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedMarch 22, 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
Personal Loans
10.25%
View
▼
APR10.25%
Last UpdatedMarch 22, 2026
Details

As Low As

Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
3722 US Highway 431 N, Phenix City, AL, 36867
Personal Loan
10.39%
View
▼
APR10.39%
Last UpdatedMarch 22, 2026
Details

As Low As; Rates as low as 10.39% APR* with a maximum APR* of 18%

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Personal Loan
10.45%
View
▼
APR10.45%
Last UpdatedMarch 22, 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
Personal Loan
10.50%
View
▼
APR10.50%
Last UpdatedMarch 22, 2026
Details

Up to 48 Months

Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
Personal Loans
10.50%
View
▼
APR10.50%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL, 35207 2839
Personal Loans Signature
10.80%
View
▼
APR10.80%
Last UpdatedMarch 22, 2026
Details

As Low As; Competitive fixed rates as low as 10.80% on signature loans

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Personal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As; $15,000 -$25,000

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL, 36695
Personal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As

The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL, 36532
Personal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Personal Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
11.00%
View
▼
APR11.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
Personal Loan
11.00%
View
▼
APR11.00%
Last UpdatedMarch 22, 2026
Details

Up to 60 Months

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
Debt Consolidation Loan
14.24%
View
▼
APR14.24%
Last UpdatedMarch 22, 2026
Details

As Low As; Rates, terms, and [payment examples](https://www.unifyfcu.com/personal-loan-rates "Personal Loan Rates")

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
Debt Consolidation Loans
14.24%
View
▼
APR14.24%
Last UpdatedMarch 22, 2026
Details

As Low As

Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
22 Inverness Center Pkwy, Hoover, AL, 35242
Debt Consolidation Loans
18.00%
View
▼
APR18.00%
Last UpdatedMarch 22, 2026
Details

discount with direct deposit

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
6.50%
View
▼
APR6.50%
Last UpdatedMarch 22, 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
Signature W/Collateral
7.00%
View
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Signature Loans
7.17%
View
▼
APR7.17%
Last UpdatedMarch 22, 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
Signature W/Collateral
7.50%
View
▼
APR7.50%
Last UpdatedMarch 22, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Unsecured / Signature
7.50%
View
▼
APR7.50%
Last UpdatedMarch 22, 2026
Details

No additional details available.

EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL, 36801 6257
Signature
7.99%
View
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Max amount of $15,000.00

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Signature Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 22, 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
Signature W/Collateral
8.00%
View
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details

As Low As

Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
23210 us Highway 98 ste b1, Fairhope, AL, 36532 3397
Signature Loans
8.49%
View
▼
APR8.49%
Last UpdatedMarch 22, 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
Signature W/Collateral
8.50%
View
▼
APR8.50%
Last UpdatedMarch 22, 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
Signature Loans
8.95%
View
▼
APR8.95%
Last UpdatedMarch 22, 2026
Details

No additional details available.

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 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
Personal/Signature Loan
9.49%
View
▼
APR9.49%
Last UpdatedMarch 22, 2026
Details

As Low As

Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
1290 S Donahue Dr, Auburn, AL, 36832 6330
Signature Loans
9.90%
View
▼
APR9.90%
Last UpdatedMarch 22, 2026
Details

As Low As

TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL, 35660
Signature
9.95%
View
▼
APR9.95%
Last UpdatedMarch 22, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Your credit score will determine your rate, maximum loan amount and term.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature/Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
Signature Loan - Closed End
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
1501 31st Ave N, Birmingham, AL, 35207
Signature/Personal
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
Personal Unsecured Signature - 60 months
10.79%
View
▼
APR10.79%
Last UpdatedMarch 22, 2026
Details

As Low As; Max $50,000

Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
716 Richard Arrington Jr Blvd N, Birmingham, AL, 35203
Personal Signature Loans (Closed End)
10.80%
View
▼
APR10.80%
Last UpdatedMarch 22, 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
Personal Loans Signature
10.80%
View
▼
APR10.80%
Last UpdatedMarch 22, 2026
Details

As Low As; Competitive fixed rates as low as 10.80% on signature loans

Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL, 35207 2839
Signature
10.80%
View
▼
APR10.80%
Last UpdatedMarch 22, 2026
Details

No additional details available.

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Closed End Signature Loan
10.90%
View
▼
APR10.90%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL, 36604 2713
Signature / Unsecured
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
Personal Unsecured Signature - 72 months
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Max $50,000

Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
1400 6TH Ave S, Birmingham, AL, 35233
Signature Loans
11.00%
View
▼
APR11.00%
Last UpdatedMarch 22, 2026
Details

As Low As

No home improvement personal loan rates found in Cullman, AL currently.

Frequently Asked Questions

What credit score do I need for a personal loan in Alabama?

Most lenders in Cullman, Alabama require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Alabama often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Cullman, Alabama require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Alabama?

Yes. Debt consolidation is one of the most common uses of personal loans in Cullman, Alabama. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Cullman, Alabama?

Credit unions in Cullman, Alabama often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Cullman, Alabama?

  • Listerhill Credit Union: 6.75% (Land Loan)
  • Alabama Credit Union: 6.75% (Lifestyle Loan)
  • Legacy Community Federal Credit Union: 7.70% (Holiday Loan)
  • Family Security Credit Union: 10.99% (Loan)
  • St Thomas Federal Credit Union: 4.00% (Relief Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Cullman, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 21, 2026.

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