Credit union · NCUA insured
AOD Federal Credit Union Auto Loan Rates
Top CarrotAOD Federal Credit Union auto loans start at 2.74% APR for a new vehicle and 2.94% for a used one. Rates checked October 22, 2026.
How AOD Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Anniston, AL, where AOD Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AOD Federal Credit Union
2.74%APR
- Terms
- up to 75 months
Auto Loans
2nd-lowest rate
Southern Energy Credit Union
4.60%APR
- Terms
- up to 63 months
3rd-lowest rate
AmFirst
4.70%APR
- Terms
- up to 63 months
AOD Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew2.74%
- Used vehicleUsed2.94%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AOD Federal 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.
Auto Loans
Membership required. All loans subject to credit approval. Actual terms depend on creditworthiness and underwriting criteria. Up to 100% financing, terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.65% | New Never Titled (2026-2025). Rates based on creditworthiness. |
| up to 48 months | 4.90% | New Never Titled (2026-2025). Rates based on creditworthiness. |
| up to 63 months | 5.15% | New Never Titled (2026-2025). Rates based on creditworthiness. |
| up to 75 months | 5.65% | New Never Titled (2026-2025). Rates based on creditworthiness. |
| up to 84 months | 7.40% | New Never Titled (2026-2025). Rates based on creditworthiness. |
| up to 36 months | 4.90% | Used Previously Titled (2026-2022). Rates based on creditworthiness. |
| up to 48 months | 5.15% | Used Previously Titled (2026-2022). Rates based on creditworthiness. |
| up to 63 months | 5.40% | Used Previously Titled (2026-2022). Rates based on creditworthiness. |
| up to 75 months | 5.90% | Used Previously Titled (2026-2022). Rates based on creditworthiness. |
| up to 84 months | 8.15% | Used Previously Titled (2026-2022). Rates based on creditworthiness. |
| up to 63 months | 6.75% | Used Previously Titled (2021). Rates based on creditworthiness. |
| up to 48 months | 7.25% | Used Previously Titled (2020-2018). Rates based on creditworthiness. |
| up to 36 months | 10.25% | Used Previously Titled (2017 & Older). Rates based on creditworthiness. |
| up to 36 months | 2.04% | New Never Titled (2021-2022) schedule. |
| up to 48 months | 2.24% | New Never Titled (2021-2022) schedule. |
| up to 63 months | 2.44% | New Never Titled (2021-2022) schedule. |
| up to 75 months | 2.74% | New Never Titled (2021-2022) schedule. |
| up to 84 months | 5.74% | New Never Titled (2021-2022) schedule. |
| up to 36 months | 2.24% | Used Previously Titled (2018-2020) schedule. |
| up to 48 months | 2.44% | Used Previously Titled (2018-2020) schedule. |
| up to 63 months | 2.64% | Used Previously Titled (2018-2020) schedule. |
| up to 75 months | 2.94% | Used Previously Titled (2018-2020) schedule. |
| up to 84 months | 5.94% | Used Previously Titled (2018-2020) schedule. |
| up to 63 months | 2.99% | Used Previously Titled (2017) schedule. |
| up to 48 months | 4.44% | Used Previously Titled (2014-2016) schedule. |
| up to 36 months | 7.24% | Used Previously Titled (2013 & Older) schedule. |
Winter Auto Loan Special
No payment for 90 days promotion. Applies to new auto purchases and refinancing from other financial institutions only. Promotion starts November 1 and ends January 31. Interest accrues from date of loan disbursement. New vehicle loans available for estimated terms up to 84 months. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 2.29% | 90 Days No Payment special. Rate 2.29%, APR 2.29%. Promotion runs November 1 to January 31. Rates vary based on credit history. |
Sources (1)
- aodfcu.com/winter-auto-loan-special · captured Oct 5, 2026
Who can join AOD Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.