Credit union · NCUA insured
Birmingham City Credit Union Auto Loan Rates
Birmingham City Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Birmingham City Credit Union’s auto loan rates compare
Compared with banks and credit unions near Birmingham, AL, where Birmingham City Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Birmingham City Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
Auto Loans
Lowest rate
ASE Credit Union
2.99%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
AOD Federal Credit Union
2.74%APR
- Terms
- up to 75 months
- Up to
- —
Birmingham City Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Birmingham City 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
Up to 125% financing available for qualified buyers. Full coverage insurance required on all auto loans. New or used vehicles. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.50%–18.00% | Subject to credit approval. |
| up to 72 months | 5.50%–18.00% | Subject to credit approval. |
| up to 60 months | 5.00%–18.00% | Subject to credit approval. |
| up to 48 months | 4.75%–18.00% | Subject to credit approval. |
| up to 36 months | 4.50%–18.00% | Subject to credit approval. |
| up to 24 months | 8.00%–18.00% | Subject to credit approval. |
Who can join Birmingham City Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.