Credit union · NCUA insured
North Alabama Educators Credit Union Auto Loan Rates
North Alabama Educators Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How North Alabama Educators Credit Union’s auto loan rates compare
Compared with banks and credit unions near Huntsville, AL, where North Alabama Educators Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
North Alabama Educators Credit Union
4.99%APR
- Terms
- up to 72 months
- Discount
- None included
Vehicle Loans
2nd-lowest rate
Northrop Grumman Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
3rd-lowest rate
Redstone Federal Credit Union
5.00%APR
- Terms
- 1–60 months
- Discount
- None included
North Alabama Educators Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where North Alabama Educators 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.
Motorcycle Loans
New Motorcycle loans can be financed up to the purchase price or MSRP, whichever is lower. Used Motorcycles can be financed up to 90% of the purchase price. Members must maintain insurance with NAECU as the lienholder.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.10% | New or Used Motorcycles: 2015 or Newer; under $10,000 Financed; payment $24 per $1,000 Borrowed |
| up to 60 months | 6.10% | New or Used Motorcycles: 2015 or Newer; $10,000 or more Financed; payment $20 per $1,000 Borrowed |
Vehicle Loans
Available to qualified members for purchasing, refinancing, or using as collateral. Financing up to 100% of purchase price or MSRP (whichever is lower) on new vehicles, and up to 100% of NADA retail value on used automobiles. Insurance listing NAECU as lienholder is required. 90 days until first payment is available on most loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.65% | New or Used Vehicle 2022 or newer; payment $30.00 per $1,000 Borrowed |
| up to 66 months | 4.99% | New Vehicle; payment $18.00 per $1,000 Borrowed |
| up to 72 months | 4.99% | New Vehicle; finance $20,000 or more for 72 months; payment $17.00 per $1,000 Borrowed |
| up to 84 months | 5.99% | New Vehicle; finance $28,000 or more for 84 months; payment $15.00 per $1,000 Borrowed |
| up to 60 months | 4.99% | Used Vehicles with over 150,000 Miles – 2014 or Newer; payment $19.00 per $1,000 Borrowed |
Who can join North Alabama Educators Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.