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

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Brian McKay 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 25, 2026

Current personal loan options available to borrowers in Madison, Alabama include: Alabama Credit UnionAlabama Credit Union100 New Bristol Lane, Madison, AL, 35756A5.0 ★Texas Ratio: 6.17% offering Lifestyle Loan at 6.75% APR, North Alabama Educators Credit UnionNorth Alabama Educators Credit Union7559 Highway 72 W Ste 114, Madison, AL, 35758 8816A+5.0 ★Texas Ratio: 2.73% offering Any Season, Any Reason Loan at 6.99% APR, Avadian Credit UnionAvadian Credit Union8566 Madison Blvd, Madison, AL, 35758A+5.0 ★Texas Ratio: 3.11% offering Land Loans at 8.26% APR, Redstone Federal Credit UnionRedstone Federal Credit Union4005 Lawson Ridge Dr, Madison, AL, 35757A+5.0 ★Texas Ratio: 3.00% offering Personal Unsecured Signature - 60 months at 10.79% APR, and Family Security Credit UnionFamily Security Credit Union8230 Madison Blvd, Madison, AL, 35758 2002A+5.0 ★Texas Ratio: 1.42% offering Other Loans at 10.99% APR. Personal loan rates as of March 25, 2026 according to verified data from MonitorBankRates.

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 Madison, 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 Madison, Alabama.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Madison, 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 25, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL, 35756
Lifestyle Loan
6.75%
View
▼
APR6.75%
Last UpdatedMarch 26, 2026
Details

As Low As

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
Any Season, Any Reason Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 26, 2026
Details

No additional details available.

Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL, 35756
Land Loans Up To 20 Acres
7.43%
View
▼
APR7.43%
Last UpdatedMarch 26, 2026
Details

Loan to Value %: 70%

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
Consumer Loans (Mowers, Furniture, Computers, Appliances, etc.)
7.60%
View
▼
APR7.60%
Last UpdatedMarch 26, 2026
Details

As Low As

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
Any Season, Any Reason Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 26, 2026
Details

No additional details available.

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL, 35758
Land Loans
8.26%
View
▼
APR8.26%
Last UpdatedMarch 26, 2026
Details

As Low As

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL, 35758
Other Personal Loans/Lines
8.49%
View
▼
APR8.49%
Last UpdatedMarch 26, 2026
Details

As Low As

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
Consolidation Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 26, 2026
Details

No additional details available.

Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL, 35756
Personal Property
9.75%
View
▼
APR9.75%
Last UpdatedMarch 26, 2026
Details

As Low As

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
Personal Loan
10.00%
View
▼
APR10.00%
Last UpdatedMarch 26, 2026
Details

No additional details available.

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL, 35757
Personal Unsecured Signature - 60 months
10.79%
View
▼
APR10.79%
Last UpdatedMarch 26, 2026
Details

As Low As; Max $50,000

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
8230 Madison Blvd, Madison, AL, 35758 2002
Other Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL, 35757
Personal Unsecured Signature - 72 months
10.99%
View
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details

As Low As; Max $50,000

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
8230 Madison Blvd, Madison, AL, 35758 2002
Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details

As Low As

Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL, 35756
Vacation Loan
12.00%
View
▼
APR12.00%
Last UpdatedMarch 26, 2026
Details

Must have a direct deposit established with ACU to qualify.

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL, 35758
Signature
12.40%
View
▼
APR12.40%
Last UpdatedMarch 26, 2026
Details

Variable

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Personal Loan
13.74%
View
▼
APR13.74%
Last UpdatedMarch 26, 2026
Details

No additional details available.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Personal Loans
13.74%
View
▼
APR13.74%
Last UpdatedMarch 26, 2026
Details

As Low As; Rates as low as 13.74% APR* for a 12-month term.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Debt Consolidation Loan
14.49%
View
▼
APR14.49%
Last UpdatedMarch 26, 2026
Details

No additional details available.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Debt Consolidation Loans
14.49%
View
▼
APR14.49%
Last UpdatedMarch 26, 2026
Details

As Low As

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
EZ Open-End Personal Loan
15.00%
View
▼
APR15.00%
Last UpdatedMarch 26, 2026
Details

No additional details available.

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL, 35757
Personal Stretch*
17.00%
View
▼
APR17.00%
Last UpdatedMarch 26, 2026
Details

As Low As; Min $500 up to Max $1,600

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 26, 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 26, 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 26, 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 26, 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 26, 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
JumpStart Loans
5.00%
View
▼
APR5.00%
Last UpdatedMarch 26, 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 26, 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
Credit Builder Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 26, 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 26, 2026
Details

APR fixed

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 26, 2026
Details

Fixed at 5.00% up to 5 years

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 26, 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
New / used 75 mo. / K or > loan amt. (current & prior 2 model years) **
5.25%
View
▼
APR5.25%
Last UpdatedMarch 26, 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 26, 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 26, 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 26, 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 26, 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 26, 2026
Details

Fixed at 5.99% up to 5 years

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Holiday Loan Special
6.00%
View
▼
APR6.00%
Last UpdatedMarch 26, 2026
Details

No additional details available.

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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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
Land Loan
6.75%
View
▼
APR6.75%
Last UpdatedMarch 26, 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
6.95%
View
▼
APR6.95%
Last UpdatedMarch 26, 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 26, 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
Vacation Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 26, 2026
Details

As Low As; Borrow up to $5000

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 26, 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
7.00%
View
▼
APR7.00%
Last UpdatedMarch 26, 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 26, 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
Land Loan
7.25%
View
▼
APR7.25%
Last UpdatedMarch 26, 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 26, 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 26, 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 26, 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 26, 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
Construction Loan
7.49%
View
▼
APR7.49%
Last UpdatedMarch 26, 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
Unsecured / Signature
7.50%
View
▼
APR7.50%
Last UpdatedMarch 26, 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 26, 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 26, 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 26, 2026
Details

No additional details available.

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Holiday Loan
7.70%
View
▼
APR7.70%
Last UpdatedMarch 26, 2026
Details

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

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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 2026
Details

As Low As

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 26, 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 26, 2026
Details

As Low As; Max amount of $15,000.00

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 26, 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 26, 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
Credit Builder Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 26, 2026
Details

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

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 26, 2026
Details

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

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 26, 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 26, 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 26, 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 Collateral Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 26, 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 26, 2026
Details

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

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 26, 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 26, 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 26, 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 26, 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 26, 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
Borrow and Save Loans
8.50%
View
▼
APR8.50%
Last UpdatedMarch 26, 2026
Details

No additional details available.

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 26, 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 26, 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
8.50%
View
▼
APR8.50%
Last UpdatedMarch 26, 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
8.55%
View
▼
APR8.55%
Last UpdatedMarch 26, 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 26, 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
Recreational Loans Used Waverunner
8.75%
View
▼
APR8.75%
Last UpdatedMarch 26, 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 26, 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 26, 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 26, 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 26, 2026
Details

As Low As; Limits up to $30,000

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 26, 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 26, 2026
Details

No additional details available.

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 26, 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 26, 2026
Details

Rates subject to credit score and term

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 26, 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 26, 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 26, 2026
Details

As Low As

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 26, 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 26, 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.

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Construction Loan
9.24%
View
▼
APR9.24%
Last UpdatedMarch 26, 2026
Details

As Low As

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 26, 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 26, 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 26, 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 26, 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
9.49%
View
▼
APR9.49%
Last UpdatedMarch 26, 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 26, 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 26, 2026
Details

No additional details available.

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Closed-end Lifestyle Loan
9.75%
View
▼
APR9.75%
Last UpdatedMarch 26, 2026
Details

As Low As

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Open-end Lifestyle Loan
9.75%
View
▼
APR9.75%
Last UpdatedMarch 26, 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 26, 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 26, 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 26, 2026
Details

As Low As; Up to $15,000

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 26, 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 26, 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 26, 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 26, 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 26, 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 26, 2026
Details

As Low As

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 26, 2026
Details

No additional details available.

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 26, 2026
Details

No additional details available.

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 26, 2026
Details

No origination fees; Borrower must attend financial education class before loan money is disbursed

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 26, 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 26, 2026
Details

As Low As

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 26, 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 26, 2026
Details

As Low As

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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 2026
Details

As Low As

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 26, 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 26, 2026
Details

Up to 48 Months

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 26, 2026
Details

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

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 26, 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 26, 2026
Details

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

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 26, 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
Personal / Signature Loan
10.90%
View
▼
APR10.90%
Last UpdatedMarch 26, 2026
Details

As Low As

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 26, 2026
Details

As Low As

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 26, 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
Personal Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 26, 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 Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 26, 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 26, 2026
Details

No additional details available.

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 26, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL, 35758
Other Personal Loans/Lines
8.49%
View
▼
APR8.49%
Last UpdatedMarch 26, 2026
Details

As Low As

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
Personal Loan
10.00%
View
▼
APR10.00%
Last UpdatedMarch 26, 2026
Details

No additional details available.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Personal Loan
13.74%
View
▼
APR13.74%
Last UpdatedMarch 26, 2026
Details

No additional details available.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Personal Loans
13.74%
View
▼
APR13.74%
Last UpdatedMarch 26, 2026
Details

As Low As; Rates as low as 13.74% APR* for a 12-month term.

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
EZ Open-End Personal Loan
15.00%
View
▼
APR15.00%
Last UpdatedMarch 26, 2026
Details

No additional details available.

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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 2026
Details

As Low As; Rates subject to change. Please call for quote. Additional discounts may be 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 26, 2026
Details

Rates subject to credit score and term

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 26, 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 26, 2026
Details

No additional details available.

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 26, 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 26, 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 26, 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 Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 26, 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 26, 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
9.99%
View
▼
APR9.99%
Last UpdatedMarch 26, 2026
Details

As Low As; Up to $15,000

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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 2026
Details

As Low As

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 26, 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 26, 2026
Details

Up to 48 Months

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 26, 2026
Details

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

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 26, 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 Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 26, 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 26, 2026
Details

No additional details available.

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 26, 2026
Details

No additional details available.

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%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Debt Consolidation Loan
14.49%
View
▼
APR14.49%
Last UpdatedMarch 26, 2026
Details

No additional details available.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Debt Consolidation Loans
14.49%
View
▼
APR14.49%
Last UpdatedMarch 26, 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 26, 2026
Details

discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL, 35757
Personal Unsecured Signature - 60 months
10.79%
View
▼
APR10.79%
Last UpdatedMarch 26, 2026
Details

As Low As; Max $50,000

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL, 35757
Personal Unsecured Signature - 72 months
10.99%
View
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details

As Low As; Max $50,000

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL, 35758
Signature
12.40%
View
▼
APR12.40%
Last UpdatedMarch 26, 2026
Details

Variable

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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 2026
Details

As Low As

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 26, 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 26, 2026
Details

As Low As; Max amount of $15,000.00

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 26, 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 26, 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 26, 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 26, 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 26, 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 26, 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
9.49%
View
▼
APR9.49%
Last UpdatedMarch 26, 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 26, 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 26, 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 Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 26, 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 26, 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 26, 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 26, 2026
Details

No additional details available.

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 26, 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 26, 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 26, 2026
Details

No additional details available.

ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
5401 E Lake Blvd Bldg 630, Birmingham, AL, 35217 3545
Personal / Signature Loan
10.90%
View
▼
APR10.90%
Last UpdatedMarch 26, 2026
Details

As Low As

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 26, 2026
Details

As Low As

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 26, 2026
Details

As Low As

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

Frequently Asked Questions

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

Most lenders in Madison, 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 Madison, 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 Madison, 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 Madison, Alabama?

Credit unions in Madison, 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 Madison, Alabama?

  • Alabama Credit Union: 6.75% (Lifestyle Loan)
  • North Alabama Educators Credit Union: 6.99% (Any Season, Any Reason Loan)
  • Avadian Credit Union: 8.26% (Land Loans)
  • Redstone Federal Credit Union: 10.79% (Personal Unsecured Signature - 60 months)
  • Family Security Credit Union: 10.99% (Other Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Madison, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 25, 2026.

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