Credit union · NCUA insured
AlaTrust Credit Union Auto Loan Rates
AlaTrust Credit Union auto loans start at 4.95% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How AlaTrust Credit Union’s auto loan rates compare
Compared with banks and credit unions near Birmingham, AL, where AlaTrust Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AlaTrust Credit Union
4.95%APR
- Terms
- up to 61 months
New Vehicle Loans (2025-2027)
Lowest rate
ASE Credit Union
2.99%APR
- Terms
- up to 84 months
2nd-lowest rate
AOD Federal Credit Union
2.74%APR
- Terms
- up to 75 months
AlaTrust Credit Union auto loan score
82
Auto loan score
Higher than 59% of U.S. banks and credit unions
- New vehicleNew4.95%
- 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 AlaTrust Credit Union 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.
New Vehicle Loans (2025-2027)
New purchase rate only. Titled, non-commercial passenger cars, trucks, vans with less than 150,000 miles. Must be eligible for AlaTrust membership; all loans subject to credit approval. Actual rate based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | A Rate; 36 months |
| up to 61 months | 4.95% | A Rate; 61 months |
| up to 73 months | 5.45% | A Rate; 73 months; minimum loan amount $20,000 |
| up to 84 months | 6.15% | A Rate; 84 months; minimum loan amount $30,000 |
Used Vehicle Loans (2016 & Older)
New purchase rate only. Titled, non-commercial passenger cars, trucks, vans with less than 150,000 miles. Maximum 60 months for all vehicles with more than 150,000 miles. Must be eligible for AlaTrust membership; all loans subject to credit approval. Actual rate based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.50% | A Rate; 36 months |
| up to 61 months | 6.75% | A Rate; 61 months; minimum loan amount $10,000 |
Used Vehicle Loans (2017-2024)
New purchase rate only. Titled, non-commercial passenger cars, trucks, vans with less than 150,000 miles. Must be eligible for AlaTrust membership; all loans subject to credit approval. Actual rate based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | A Rate; 36 months |
| up to 61 months | 5.25% | A Rate; 61 months |
| up to 73 months | 5.75% | A Rate; 73 months; minimum loan amount $20,000 |
Who can join AlaTrust Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.