Credit union · NCUA insured
Mutual Savings Credit Union Auto Loan Rates
Mutual Savings Credit Union auto loans start at 5.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Mutual Savings Credit Union’s auto loan rates compare
Compared with banks and credit unions near Birmingham, AL, where Mutual Savings Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mutual Savings Credit Union
5.25%APR
- Terms
- up to 60 months
New Vehicle 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
Mutual Savings Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mutual Savings 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
Includes current and previous two model years with 45,000 or less miles. Rates quoted are best available and subject to change; may vary depending on credit, loan to value, and payment terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75% | — |
| up to 60 months | 5.25% | — |
| up to 72 months | 5.45% | Requires a minimum loan amount of $15,000. |
| up to 84 months | 6.25% | Requires a minimum loan amount of $25,000. |
Sources (2)
All captured Oct 15, 2026
Older Used Vehicle Loans
Includes all models manufactured greater than 6 years from current year. Rates quoted are best available and subject to change; may vary depending on credit, loan to value, and payment terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.50% | — |
| up to 60 months | 7.00% | — |
Sources (1)
- mutualsavings.org/loans-mortgages/loan-rates · captured Oct 15, 2026
Used Vehicle Loans
Includes autos not considered 'New', not to exceed 6 years from current year. Rates quoted are best available and subject to change; may vary depending on credit, loan to value, and payment terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | — |
| up to 60 months | 5.50% | — |
| up to 72 months | 5.95% | Requires a minimum loan amount of $15,000.00 and vehicle mileage must not exceed 55,000 miles. |
Sources (2)
All captured Oct 15, 2026
Who can join Mutual Savings Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to join if you live, work, worship, or attend school within a 50-mile radius of Alexander City.
- Eligible to join if you reside in, work, worship, or attend school in Autauga, Bibb, Blount, Chilton, Clay, Coosa, Dallas, Jefferson, Shelby, St. Clair, Talladega, Tuscaloosa, or Walker County.
Employers and groups
- Eligible to join if you work for one of Mutual Savings Credit Union's Preferred Partner Groups.
Family and household
- Eligible to join if you are an immediate family member of a current member.
Membership information collected October 4, 2026.