Credit union · NCUA insured
Alabama Central CU Auto Loan Rates
Alabama Central CU auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How Alabama Central CU’s auto loan rates compare
Compared with banks and credit unions near Florence, AL, where Alabama Central CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alabama Central CU
5.25%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
Florence Federal Credit Union
5.00%APR
- Terms
- up to 60 months
2nd-lowest rate
Railway Employees
5.00%APR
- Terms
- —
Alabama Central CU auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Alabama Central CU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Up to 110% financing for qualified buyers. Rates vary by model year and loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Model Year 2026 – 2023 |
| up to 48 months | 4.75% | Model Year 2026 – 2023 |
| up to 60 months | 5.25% | Model Year 2026 – 2023 |
| up to 75 months | 5.75% | Model Year 2026 – 2023 |
| up to 84 months | 6.25% | Model Year 2026 – 2023 |
| up to 36 months | 5.00% | Model Year 2022 – 2019 |
| up to 48 months | 5.50% | Model Year 2022 – 2019 |
| up to 60 months | 6.00% | Model Year 2022 – 2019 |
| up to 75 months | 6.50% | Model Year 2022 – 2019 |
| up to 84 months | 7.00% | Model Year 2022 – 2019 |
| up to 36 months | 5.50% | Model Year 2018 and older |
| up to 48 months | 6.00% | Model Year 2018 and older |
| up to 60 months | 6.50% | Model Year 2018 and older |
| up to 75 months | 7.00% | Model Year 2018 and older |
| up to 84 months | 7.50% | Model Year 2018 and older |
Sources (3)
All captured Oct 15, 2026
Who can join Alabama Central CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in any of the 29 specified Alabama counties are eligible for membership.
Membership information collected October 4, 2026.