Credit union · NCUA insured
Avadian Credit Union Auto Loan Rates
Top CarrotAvadian Credit Union auto loans start at 5.05% APR for a new vehicle and 5.05% for a used one. Rates checked October 22, 2026.
How Avadian Credit Union’s auto loan rates compare
Compared with banks and credit unions near Birmingham, AL, where Avadian Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Avadian Credit Union
5.05%APR
- Terms
- up to 63 months
Auto Loans
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
Avadian Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew5.05%
- Used vehicleUsed5.05%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Avadian 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
Subject to membership, creditworthiness, and approval. Annual Percentage Rate based on creditworthiness, loan amount, model year, current mileage, and term of the loan. No loan processing or application fees. Pre-approved check for auto purchases (must qualify for AutoCheck Program). Financing based on loan-to-value determined by JD Power Guides. Qualified buyers make no payments for 90 days on new and used cars (deferral extends loan term; interest continues to accrue). Terms up to 84 months. Maximum term of 60 months for vehicles over 125,000 miles. Minimum loan amount for terms 67-75 mos. is $15,000. Minimum loan amount for terms greater than 75 mos. is $25,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | New and Used Autos, Trucks, and Vans. Term up to 36 Months. Monthly payment $29.75 per $1,000 borrowed. As low as APR based on creditworthiness, loan amount, model year, and term of loan. Maximum term of 60 months for vehicles over 125,000 miles. |
| up to 48 months | 4.50% | New and Used Autos, Trucks, and Vans. Term up to 48 Months. Monthly payment $22.81 per $1,000 borrowed. As low as APR based on creditworthiness, loan amount, model year, and term of loan. Maximum term of 60 months for vehicles over 125,000 miles. |
| up to 63 months | 5.05% | New and Used Autos, Trucks, and Vans. Term up to 63 Months. Monthly payment $18.11 per $1,000 borrowed. As low as APR based on creditworthiness, loan amount, model year, and term of loan. Maximum term of 60 months for vehicles over 125,000 miles. |
| up to 75 months | 5.65% | New and Used Autos, Trucks, and Vans. Term up to 75 Months. Monthly payment $15.87 per $1,000 borrowed. As low as APR based on creditworthiness, loan amount, model year, and term of loan. Minimum loan amount for terms 67-75 mos. is $15,000. Maximum term of 60 months for vehicles over 125,000 miles. |
| up to 84 months | 6.50% | New and Used Autos, Trucks, and Vans. Term up to 84 Months. Monthly payment $14.86 per $1,000 borrowed. As low as APR based on creditworthiness, loan amount, model year, and term of loan. Minimum loan amount for terms greater than 75 mos. is $25,000. Maximum term of 60 months for vehicles over 125,000 miles. |
Sources (3)
- avadiancu.com/Personal/Borrow/Vehicle-Loans
- avadiancu.com/Personal/Borrow/Vehicle-Loans/Auto-Loans
- avadiancu.com/Rates
All captured Oct 5, 2026
Who can join Avadian Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.