Credit union · NCUA insured
Alabama ONE Auto Loan Rates
Top CarrotAlabama ONE auto loans start at 6.24% APR for a new vehicle and 6.24% for a used one. Rates checked October 22, 2026.
How Alabama ONE’s auto loan rates compare
Compared with banks and credit unions near Tuscaloosa, AL, where Alabama ONE has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alabama ONE
6.24%APR
- Terms
- up to 84 months
- Up to
- —
Vehicle Loans
Lowest rate
Nucor Employee's Credit Union
4.49%APR
- Terms
- —
- Up to
- 5.49% APR
2nd-lowest rate
Southern Energy Credit Union
4.60%APR
- Terms
- up to 63 months
- Up to
- —
Alabama ONE auto loan score
65
Auto loan score
Higher than 13% of U.S. banks and credit unions
- New vehicleNew6.24%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Alabama ONE 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.
Vehicle Loans
Must be a member of Alabama ONE to qualify. Loans are subject to underwriting guidelines. Offer not available on existing Alabama ONE loans. Includes 0.25% reduction for automatic payment. Pre-approvals and auto-buying assistance available. No processing or application fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | 3.99% APR only for 36-month loan term. Rate shown reflects a 0.25% reduction for automatic payment. Minimum loan amount is $10,000. Limited time offer includes 90 days no pay and cash back of 0.50% of the loan amount up to a maximum of $500. Offer expires October 31, 2026. Finance charges begin accruing as of the loan disbursement date. Not available on existing Alabama ONE loans. Applicable to new, used, and refinanced vehicles. |
| up to 84 months | 6.24% | Extended term for new and used vehicles up to 5 years of age and 100,000 miles. APR shown is with 0.25% reduction for automatic payment. Minimum loan payment is $10,000. |
Who can join Alabama ONE
This may be incomplete or out of date, so check with the credit union before you apply.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 36 specified Alabama counties are eligible for membership.
Employers and groups
- Employees (current, former, retired), their immediate family members, or members of an Alabama rural electric cooperative are eligible for membership.
- Current, former, or retired employees of Select Employee Groups (SEGs) and their immediate family members are eligible for membership.
Military, government and schools
- Employees (current, former, retired), their immediate family members, and residents or patients of State of Alabama care facilities or contracted service providers are eligible for membership.
- Employees (current, former, retired) and their immediate family members of groups supportive of and working with programs under State of Alabama administration are eligible for membership.
Membership information collected October 4, 2026.