Best Personal Loan Rates in Alabama (AL) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Alabama borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Alabama include: St Thomas Federal Credit UnionSt Thomas Federal Credit Union23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397A+5.0 ★Texas Ratio: 0.76% offering Relief Loan at 4.00% APR, City Credit UnionCity Credit Union2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034A+5.0 ★Texas Ratio: 0.93% offering Loans at 4.50% APR, Platinum Federal Credit UnionPlatinum Federal Credit Union2020 Patton Chapel Rd, Hoover, AL, 35216A+5.0 ★Texas Ratio: 1.95% offering 555 Loan at 5.00% APR, Garden Island Federal Credit UnionGarden Island Federal Credit Union22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879A+5.0 ★Texas Ratio: 2.39% offering Personal Loan at 5.00% APR, and Electrical Federal Credit UnionElectrical Federal Credit Union22 Inverness Center Pkwy, Hoover, AL, 35242 4814A+5.0 ★Texas Ratio: 1.71% offering Credit Builder Loan at 5.00% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Alabama side-by-side. Alabama personal loan rates currently start as low as 4.00% APR from St Thomas Federal Credit Union at 23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Alabama. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 27, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Relief Loan
4.00%
▼
APR4.00%
Last UpdatedApril 29, 2026
Details
As Low As
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034
Loans
4.50%
▼
APR4.50%
Last UpdatedApril 29, 2026
Details
APR fixed
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034
Loans
4.75%
▼
APR4.75%
Last UpdatedApril 29, 2026
Details
APR fixed
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
555 Loan
5.00%
▼
APR5.00%
Last UpdatedApril 29, 2026
Details
Fixed at 5.00% up to 5 years
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034
Loans
5.00%
▼
APR5.00%
Last UpdatedApril 29, 2026
Details
APR fixed
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Credit Builder Loan
5.00%
▼
APR5.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Jumpstart (Apprentice) Loan
5.00%
▼
APR5.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034
Loans
5.25%
▼
APR5.25%
Last UpdatedApril 29, 2026
Details
APR fixed
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL, 35210 1512
New / used 75 mo. / K or > loan amt. (current & prior 2 model years) **
5.25%
▼
APR5.25%
Last UpdatedApril 29, 2026
Details
$20
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Emergency Loan
5.99%
▼
APR5.99%
Last UpdatedApril 29, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Vocational Income Program Loan
5.99%
▼
APR5.99%
Last UpdatedApril 29, 2026
Details
Fixed at 5.99% up to 5 years
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL, 35660
Land Loans
6.00%
▼
APR6.00%
Last UpdatedApril 29, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedApril 29, 2026
Details
Months (75% of stock value)
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
6.50%
▼
APR6.50%
Last UpdatedApril 29, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Rec Loans
6.75%
▼
APR6.75%
Last UpdatedApril 29, 2026
Details
As Low As
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Construction Loans
6.75%
▼
APR6.75%
Last UpdatedApril 29, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
Lifestyle Loan
6.75%
▼
APR6.75%
Last UpdatedApril 29, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Land Loan
6.75%
▼
APR6.75%
Last UpdatedApril 29, 2026
Details
As Low As; Fixed rate starts at
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Construction Loan
6.75%
▼
APR6.75%
Last UpdatedApril 29, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Tractor Loans
6.99%
▼
APR6.99%
Last UpdatedApril 29, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Vacation Loan
6.99%
▼
APR6.99%
Last UpdatedApril 29, 2026
Details
Borrow up to $5000.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
7.00%
▼
APR7.00%
Last UpdatedApril 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedApril 29, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
Land Loans Up To 20 Acres
7.43%
▼
APR7.43%
Last UpdatedApril 29, 2026
Details
No additional details available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Tractor Loans
7.49%
▼
APR7.49%
Last UpdatedApril 29, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL, 35660
Construction Loans
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
As Low As
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Holiday Loan
7.70%
▼
APR7.70%
Last UpdatedApril 29, 2026
Details
Promotional Period: October 1, 2025 through January 30, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
7.75%
▼
APR7.75%
Last UpdatedApril 29, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL, 36801 6257
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As; max. amount of $15,000.00
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL, 36801 6257
Signature
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As; Max amount of $15,000.00
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Tractor Loans
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL, 36615 1286
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Seasonal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Revolving Loan
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Installment Loan
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Personal (Unsecured) Loans
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As; $2,500 to $10,000
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Consolidation Loan
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Vacation Loans
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As;%
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
22 Inverness Center Pkwy, Hoover, AL, 35242
Credit Builder Loan
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
1% discount to ["Money wisdom" workshop Graduates](https://neighborhoodtrustfcu.org/financial-wellness)!
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
2915 Pepperell Pkwy, Opelika, AL, 36801 6127
Other Collateral Loan
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
8.25%
▼
APR8.25%
Last UpdatedApril 29, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
Land Loans
8.26%
▼
APR8.26%
Last UpdatedApril 29, 2026
Details
As Low As
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
23210 us Highway 98 ste b1, Fairhope, AL, 36532 3397
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
8.50%
▼
APR8.50%
Last UpdatedApril 29, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
Starter Loans
8.50%
▼
APR8.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Borrow and Save Loans
8.50%
▼
APR8.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 29, 2026
Details
As Low As
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
2915 Pepperell Pkwy, Opelika, AL, 36801 6127
Other Unsecured Loan
8.90%
▼
APR8.90%
Last UpdatedApril 29, 2026
Details
As Low As
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
2915 Pepperell Pkwy, Opelika, AL, 36801 6127
Unsecured Loan
8.90%
▼
APR8.90%
Last UpdatedApril 29, 2026
Details
As Low As
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
60 Gene E Stewart Blvd, Sylacauga, AL, 35151
Unsecured Loans
8.90%
▼
APR8.90%
Last UpdatedApril 29, 2026
Details
As Low As; Limits up to $30,000
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedApril 29, 2026
Details
As Low As
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
Pool Loans
8.95%
▼
APR8.95%
Last UpdatedApril 29, 2026
Details
No additional details available.
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
Signature Loans
8.95%
▼
APR8.95%
Last UpdatedApril 29, 2026
Details
No additional details available.
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
Rates subject to credit score and term
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedApril 29, 2026
Details
Borrow up to $15,000. You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedApril 29, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 29, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
Personal/Signature Loan
9.49%
▼
APR9.49%
Last UpdatedApril 29, 2026
Details
As Low As
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
345 PERRY HILL RD, MONTGOMERY, AL, 36109
Unsecured
9.50%
▼
APR9.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
FLORENCE
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1505 N Pine St, Florence, AL, 35630 2285
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 29, 2026
Details
As Low As
FLORENCE
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1505 N Pine St, Florence, AL, 35630 2285
Personal Unsecured
9.50%
▼
APR9.50%
Last UpdatedApril 29, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
Personal Property
9.75%
▼
APR9.75%
Last UpdatedApril 29, 2026
Details
As Low As
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 29, 2026
Details
As Low As; Monthly payment of $32.15 per $1,000.00 borrowed
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
1290 S Donahue Dr, Auburn, AL, 36832 6330
Signature Loans
9.90%
▼
APR9.90%
Last UpdatedApril 29, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL, 35660
Signature
9.95%
▼
APR9.95%
Last UpdatedApril 29, 2026
Details
As Low As
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL, 35210 1512
Unsecured loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As; Your credit score will determine your rate, maximum loan amount and term.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
304 W Montgomery Rd, Tuskegee, AL, 36083 1520
Unsecured Loans A Paper
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
2915 Pepperell Pkwy, Opelika, AL, 36801 6127
Seasonal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
As Low As
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
1501 31st Ave N, Birmingham, AL, 35207
Signature/Personal
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
4301 Iverson Blvd, Trinity, AL, 35673
Share Loan
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
Signature Loan - Closed End
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Personal Custom Loan
10.45%
▼
APR10.45%
Last UpdatedApril 29, 2026
Details
Rates subject to change. Please call for quote. Additional discounts may be available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedApril 29, 2026
Details
As Low As
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
Personal
10.49%
▼
APR10.49%
Last UpdatedApril 29, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 29, 2026
Details
As Low As; APR* as low as 10.50%
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedApril 29, 2026
Details
As Low As; Monthly payment of $25.72 per $1,000.00 borrowed
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
716 Richard Arrington Jr Blvd N, Birmingham, AL, 35203
Personal Signature Loans (Closed End)
10.80%
▼
APR10.80%
Last UpdatedApril 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Closed End Signature Loan
10.90%
▼
APR10.90%
Last UpdatedApril 29, 2026
Details
As Low As
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL, 36532
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL, 36532
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL, 35603
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL, 36604 2713
Signature / Unsecured
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL, 36695
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
1400 6TH Ave S, Birmingham, AL, 35233
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Personal
11.20%
▼
APR11.20%
Last UpdatedApril 29, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
11.20%
▼
APR11.20%
Last UpdatedApril 29, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Signature Loan
11.50%
▼
APR11.50%
Last UpdatedApril 29, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 29, 2026
Details
No additional details available.
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Closed End Signature Loan
11.90%
▼
APR11.90%
Last UpdatedApril 29, 2026
Details
As Low As
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
304 W Montgomery Rd, Tuskegee, AL, 36083 1520
Unsecured Loans B Paper
12.00%
▼
APR12.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
Credit Improvement Loans Single Payment
12.00%
▼
APR12.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
Signature Loans - Open End
12.00%
▼
APR12.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 29, 2026
Details
No additional details available.
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Personal Loans
12.75%
▼
APR12.75%
Last UpdatedApril 29, 2026
Details
As Low As; Monthly payment of $22.63 per $1,000.00 borrowed
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
716 Richard Arrington Jr Blvd N, Birmingham, AL, 35203
Personal Lines of Credit (Open End)
12.90%
▼
APR12.90%
Last UpdatedApril 29, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
Credit Improvement Loans Closed End
12.95%
▼
APR12.95%
Last UpdatedApril 29, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Signature
12.99%
▼
APR12.99%
Last UpdatedApril 29, 2026
Details
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Personal Loan (Closed End)
13.00%
▼
APR13.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
Personal Signature Loans
13.25%
▼
APR13.25%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured
13.50%
▼
APR13.50%
Last UpdatedApril 29, 2026
Details
Single Payment Signature Loan
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured Closed End Signature Loan - 48 Month Term
13.50%
▼
APR13.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured Single Payment Signature Loan - 3 Month Term
13.50%
▼
APR13.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 29, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Closed End Signature Loan
13.90%
▼
APR13.90%
Last UpdatedApril 29, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
Credit Improvement Loans Closed End
13.95%
▼
APR13.95%
Last UpdatedApril 29, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Signature
13.99%
▼
APR13.99%
Last UpdatedApril 29, 2026
Details
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
304 W Montgomery Rd, Tuskegee, AL, 36083 1520
Unsecured Loans C Paper
14.00%
▼
APR14.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Personal Loan (Closed End)
14.00%
▼
APR14.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 29, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured Closed End Signature Loan - 60 Month Term
14.50%
▼
APR14.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured
14.50%
▼
APR14.50%
Last UpdatedApril 29, 2026
Details
Closed End Signature Loan
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
Credit Improvement Loans Closed End
14.95%
▼
APR14.95%
Last UpdatedApril 29, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Signature
14.99%
▼
APR14.99%
Last UpdatedApril 29, 2026
Details
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Personal Loan (Closed End)
15.00%
▼
APR15.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
304 W Montgomery Rd, Tuskegee, AL, 36083 1520
Unsecured Loans D Paper
16.00%
▼
APR16.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Credit Repair Loan
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
Open-End Loan (Revolving Charge)
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
Unsecured Loan
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
4301 Iverson Blvd, Trinity, AL, 35673
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Breathe Easy Loan*
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured Breathe Easy Loan* - 12 Month Term
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Borrow and Save Loans
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
22 Inverness Center Pkwy, Hoover, AL, 35242
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
discount with direct deposit
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
22 Inverness Center Pkwy, Hoover, AL, 35242
Debt Consolidation Loans
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
discount with direct deposit
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
304 W Montgomery Rd, Tuskegee, AL, 36083 1520
Unsecured Loans E Paper & Below
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Payday Loans
25.00%
▼
APR25.00%
Last UpdatedApril 29, 2026
Details
As Low As
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
716 Richard Arrington Jr Blvd N, Birmingham, AL, 35203
Back-To-School Loans (only available during July and August)
28.00%
▼
APR28.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
716 Richard Arrington Jr Blvd N, Birmingham, AL, 35203
Holiday Loans (only available during holiday season)
28.00%
▼
APR28.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedApril 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
7.75%
▼
APR7.75%
Last UpdatedApril 29, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL, 36615 1286
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
8.25%
▼
APR8.25%
Last UpdatedApril 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 29, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedApril 29, 2026
Details
As Low As
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
Rates subject to credit score and term
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedApril 29, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 29, 2026
Details
As Low As
FLORENCE
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1505 N Pine St, Florence, AL, 35630 2285
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 29, 2026
Details
As Low As
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 29, 2026
Details
As Low As; Monthly payment of $32.15 per $1,000.00 borrowed
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 29, 2026
Details
As Low As; APR* as low as 10.50%
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedApril 29, 2026
Details
As Low As; Monthly payment of $25.72 per $1,000.00 borrowed
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL, 36532
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL, 36532
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL, 35603
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL, 36695
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 29, 2026
Details
No additional details available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 29, 2026
Details
No additional details available.
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Personal Loans
12.75%
▼
APR12.75%
Last UpdatedApril 29, 2026
Details
As Low As; Monthly payment of $22.63 per $1,000.00 borrowed
Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Personal Loan (Closed End)
13.00%
▼
APR13.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured Single Payment Signature Loan - 3 Month Term
13.50%
▼
APR13.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured Closed End Signature Loan - 48 Month Term
13.50%
▼
APR13.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured
13.50%
▼
APR13.50%
Last UpdatedApril 29, 2026
Details
Single Payment Signature Loan
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 29, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 29, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Personal Loan (Closed End)
14.00%
▼
APR14.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured
14.50%
▼
APR14.50%
Last UpdatedApril 29, 2026
Details
Closed End Signature Loan
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured Closed End Signature Loan - 60 Month Term
14.50%
▼
APR14.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Personal Loan (Closed End)
15.00%
▼
APR15.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
22 Inverness Center Pkwy, Hoover, AL, 35242
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
discount with direct deposit
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured Breathe Easy Loan* - 12 Month Term
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 29, 2026
Details
As Low As
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
22 Inverness Center Pkwy, Hoover, AL, 35242
Debt Consolidation Loans
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
discount with direct deposit
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
6.50%
▼
APR6.50%
Last UpdatedApril 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
7.00%
▼
APR7.00%
Last UpdatedApril 29, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL, 36801 6257
Signature
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As; Max amount of $15,000.00
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL, 36801 6257
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As; max. amount of $15,000.00
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
23210 us Highway 98 ste b1, Fairhope, AL, 36532 3397
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
8.50%
▼
APR8.50%
Last UpdatedApril 29, 2026
Details
As Low As
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
Signature Loans
8.95%
▼
APR8.95%
Last UpdatedApril 29, 2026
Details
No additional details available.
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
Personal/Signature Loan
9.49%
▼
APR9.49%
Last UpdatedApril 29, 2026
Details
As Low As
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
1290 S Donahue Dr, Auburn, AL, 36832 6330
Signature Loans
9.90%
▼
APR9.90%
Last UpdatedApril 29, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL, 35660
Signature
9.95%
▼
APR9.95%
Last UpdatedApril 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As; Your credit score will determine your rate, maximum loan amount and term.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
Signature Loan - Closed End
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
1501 31st Ave N, Birmingham, AL, 35207
Signature/Personal
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedApril 29, 2026
Details
As Low As
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
716 Richard Arrington Jr Blvd N, Birmingham, AL, 35203
Personal Signature Loans (Closed End)
10.80%
▼
APR10.80%
Last UpdatedApril 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Closed End Signature Loan
10.90%
▼
APR10.90%
Last UpdatedApril 29, 2026
Details
As Low As
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL, 36604 2713
Signature / Unsecured
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
1400 6TH Ave S, Birmingham, AL, 35233
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
11.20%
▼
APR11.20%
Last UpdatedApril 29, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Signature Loan
11.50%
▼
APR11.50%
Last UpdatedApril 29, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Closed End Signature Loan
11.90%
▼
APR11.90%
Last UpdatedApril 29, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
Signature Loans - Open End
12.00%
▼
APR12.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Signature
12.99%
▼
APR12.99%
Last UpdatedApril 29, 2026
Details
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
Personal Signature Loans
13.25%
▼
APR13.25%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured Closed End Signature Loan - 48 Month Term
13.50%
▼
APR13.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured Single Payment Signature Loan - 3 Month Term
13.50%
▼
APR13.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Closed End Signature Loan
13.90%
▼
APR13.90%
Last UpdatedApril 29, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Signature
13.99%
▼
APR13.99%
Last UpdatedApril 29, 2026
Details
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Personal Loans - Unsecured Closed End Signature Loan - 60 Month Term
14.50%
▼
APR14.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Signature
14.99%
▼
APR14.99%
Last UpdatedApril 29, 2026
Details
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
4301 Iverson Blvd, Trinity, AL, 35673
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
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No home improvement personal loan rates found in Alabama currently.
Alabama Personal Loan Rate Trends
Compare local Alabama personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — AL Avg
11.352%
▼ 0.045 vs 7 days ago
Alabama personal loan rates fell 0.045 points over the past 7 days to 11.352% APR.
Signature Loan — AL Avg
11.247%
▲ 0.009 vs 7 days ago
Alabama signature loan rates rose 0.009 points over the past 7 days to 11.247% APR.
As of Apr 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Alabama?
Most lenders in Alabama require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Alabama often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Alabama require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Alabama?
Yes. Debt consolidation is one of the most common uses of personal loans in Alabama. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Alabama?
Credit unions in Alabama often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Alabama?
- St Thomas Federal Credit Union: 4.00% (Relief Loan)
- City Credit Union: 4.50% (Loans)
- Platinum Federal Credit Union: 5.00% (555 Loan)
- Garden Island Federal Credit Union: 5.00% (Personal Loan)
- Electrical Federal Credit Union: 5.00% (Credit Builder Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 27, 2026.
