Credit union · NCUA insured
Fort McClellan Credit Union Auto Loan Rates
Fort McClellan Credit Union auto loans start at 5.35% APR for a new vehicle and 5.85% for a used one. Rates checked October 22, 2026.
How Fort McClellan Credit Union’s auto loan rates compare
Compared with banks and credit unions near Anniston, AL, where Fort McClellan Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Fort McClellan Credit Union
5.35%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
AOD Federal Credit Union
2.74%APR
- Terms
- up to 75 months
2nd-lowest rate
Southern Energy Credit Union
4.60%APR
- Terms
- up to 63 months
Fort McClellan Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.35%
- Used vehicleUsed5.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Fort McClellan 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 Auto Loans
Rates are based on creditworthiness and other factors. Collateral must be 2025 or newer.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | New (2025 or Newer). Rates as low as stated based on creditworthiness. |
| up to 48 months | 5.00% | New (2025 or Newer). Rates as low as stated based on creditworthiness. |
| up to 60 months | 5.35% | New (2025 or Newer). $10,000 or more to Finance. Rates as low as stated based on creditworthiness. |
| up to 72 months | 5.60% | New (2025 or Newer). $20,000 or more to Finance. Rates as low as stated based on creditworthiness. |
| up to 84 months | 7.50% | New (2025 or Newer). $30,000 or more to Finance. Rates as low as stated based on creditworthiness. |
Sources (1)
- fortmcclellancu.org/auto-loans · captured Oct 5, 2026
Used Auto Loans
Rates are based on creditworthiness and other factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | Used. Rates as low as stated based on creditworthiness. |
| up to 48 months | 5.50% | Used. Rates as low as stated based on creditworthiness. |
| up to 60 months | 5.85% | Used. $10,000 or more to Finance. Rates as low as stated based on creditworthiness. |
| up to 72 months | 6.60% | Used. $20,000 or more to Finance. Rates as low as stated based on creditworthiness. |
| up to 84 months | 8.50% | Used. $40,000 or more to Finance. Rates as low as stated based on creditworthiness. |
Sources (1)
- fortmcclellancu.org/auto-loans · captured Oct 5, 2026
Who can join Fort McClellan Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Calhoun, Cleburne, Talladega, Clay, Randolph, Cherokee, Etowah, St Clair, and Chambers Counties are eligible for membership.
Military, government and schools
- City, County, State, and Federal employees living or working in St. Clair and Etowah Counties are eligible for membership.
- All National Guard and US Army Reserve Personnel within the trade area of FMCU are eligible for membership.
Family and household
- Any relative of members, regardless of residence or place of employment, is eligible for membership.
Cost to join
- Opening a share savings account requires a $5 deposit to establish membership.
Membership information collected October 4, 2026.