Best Personal Loan Rates in Birmingham, Alabama (AL) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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 Birmingham, Alabama include: Alabama Central Credit UnionAlabama Central Credit Union3601 4th Ave S, Birmingham, AL, 35222A+5.0 ★Texas Ratio: 0.75% offering Construction Loan at 6.75% APR, Alabama Credit UnionAlabama Credit Union351 24th St N, Birmingham, AL, 35203 3836A5.0 ★Texas Ratio: 6.17% offering Lifestyle Loan at 6.75% APR, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS9178 Parkway E, Birmingham, AL, 35206 1507A+5.0 ★Texas Ratio: 0.03% offering Unsecured / Signature at 7.50% APR, Legacy Community Federal Credit UnionLegacy Community Federal Credit Union1400 20th St S, Birmingham, AL, 35205 4914A+5.0 ★Texas Ratio: 1.54% offering Holiday Loan at 7.70% APR, and Avadian Credit UnionAvadian Credit Union475 Green Springs Hwy, Birmingham, AL, 35209 4921A+5.0 ★Texas Ratio: 3.11% offering Land Loans at 8.26% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Birmingham has 12 local institutions in our database, with personal loan rates as low as 6.75% APR from Alabama Central Credit Union at 3601 4th Ave S, Birmingham, AL, 35222. Use the tabs below to compare all available personal loan types. 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 Birmingham, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Birmingham, 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
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 30, 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 30, 2026
Details
As Low As; Fixed rate starts at
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
351 24th St N, Birmingham, AL, 35203 3836
Lifestyle Loan
6.75%
▼
APR6.75%
Last UpdatedApril 30, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
351 24th St N, Birmingham, AL, 35203 3836
Land Loans Up To 20 Acres
7.43%
▼
APR7.43%
Last UpdatedApril 30, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
9178 Parkway E, Birmingham, AL, 35206 1507
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedApril 30, 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
Holiday Loan
7.70%
▼
APR7.70%
Last UpdatedApril 30, 2026
Details
Promotional Period: October 1, 2025 through January 30, 2026
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 30, 2026
Details
As Low As;%
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
475 Green Springs Hwy, Birmingham, AL, 35209 4921
Land Loans
8.26%
▼
APR8.26%
Last UpdatedApril 30, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
9178 Parkway E, Birmingham, AL, 35206 1507
Borrow and Save Loans
8.50%
▼
APR8.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
351 24th St N, Birmingham, AL, 35203 3836
Personal Property
9.75%
▼
APR9.75%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As; Monthly payment of $32.15 per $1,000.00 borrowed
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 30, 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
10.75%
▼
APR10.75%
Last UpdatedApril 30, 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 30, 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 30, 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 30, 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 30, 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 30, 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 30, 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
12.75%
▼
APR12.75%
Last UpdatedApril 30, 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 30, 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)
13.00%
▼
APR13.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured
13.50%
▼
APR13.50%
Last UpdatedApril 30, 2026
Details
Single Payment Signature Loan
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured Closed End Signature Loan - 48 Month Term
13.50%
▼
APR13.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured Single Payment Signature Loan - 3 Month Term
13.50%
▼
APR13.50%
Last UpdatedApril 30, 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 30, 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 30, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured
14.50%
▼
APR14.50%
Last UpdatedApril 30, 2026
Details
Closed End Signature Loan
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured Closed End Signature Loan - 60 Month Term
14.50%
▼
APR14.50%
Last UpdatedApril 30, 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 30, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
9178 Parkway E, Birmingham, AL, 35206 1507
Borrow and Save Loans
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Breathe Easy Loan*
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured Breathe Easy Loan* - 12 Month Term
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
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 30, 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 30, 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
Back-To-School Loans (only available during July and August)
28.00%
▼
APR28.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Relief Loan
4.00%
▼
APR4.00%
Last UpdatedApril 30, 2026
Details
As Low As
APR4.50%
Last UpdatedApril 30, 2026
Details
APR fixed
APR4.75%
Last UpdatedApril 30, 2026
Details
APR fixed
APR5.00%
Last UpdatedApril 30, 2026
Details
Fixed at 5.00% up to 5 years
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR5.00%
Last UpdatedApril 30, 2026
Details
APR fixed
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Credit Builder Loan
5.00%
▼
APR5.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Jumpstart (Apprentice) Loan
5.00%
▼
APR5.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR5.25%
Last UpdatedApril 30, 2026
Details
APR fixed
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
New / used 75 mo. / K or > loan amt. (current & prior 2 model years) **
5.25%
▼
APR5.25%
Last UpdatedApril 30, 2026
Details
$20
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Emergency Loan
5.99%
▼
APR5.99%
Last UpdatedApril 30, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Vocational Income Program Loan
5.99%
▼
APR5.99%
Last UpdatedApril 30, 2026
Details
Fixed at 5.99% up to 5 years
APR6.00%
Last UpdatedApril 30, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedApril 30, 2026
Details
Months (75% of stock value)
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
6.50%
▼
APR6.50%
Last UpdatedApril 30, 2026
Details
As Low As
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
Construction Loans
6.75%
▼
APR6.75%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR6.75%
Last UpdatedApril 30, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
New Tractor Loans
6.99%
▼
APR6.99%
Last UpdatedApril 30, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Vacation Loan
6.99%
▼
APR6.99%
Last UpdatedApril 30, 2026
Details
Borrow up to $5000.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
7.00%
▼
APR7.00%
Last UpdatedApril 30, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedApril 30, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
New Tractor Loans
7.49%
▼
APR7.49%
Last UpdatedApril 30, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Construction Loans
7.50%
▼
APR7.50%
Last UpdatedApril 30, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
7.50%
▼
APR7.50%
Last UpdatedApril 30, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
7.75%
▼
APR7.75%
Last UpdatedApril 30, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As; max. amount of $15,000.00
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As; Max amount of $15,000.00
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
New Tractor Loans
7.99%
▼
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.00%
▼
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Seasonal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Revolving Loan
8.00%
▼
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Installment Loan
8.00%
▼
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Consolidation Loan
8.00%
▼
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As; $2,500 to $10,000
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Credit Builder Loan
8.00%
▼
APR8.00%
Last UpdatedApril 30, 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%
Other Collateral Loan
8.00%
▼
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
8.25%
▼
APR8.25%
Last UpdatedApril 30, 2026
Details
As Low As
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedApril 30, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Starter Loans
8.50%
▼
APR8.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.50%
▼
APR8.50%
Last UpdatedApril 30, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 30, 2026
Details
As Low As
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
Other Unsecured Loan
8.90%
▼
APR8.90%
Last UpdatedApril 30, 2026
Details
As Low As
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
Unsecured Loan
8.90%
▼
APR8.90%
Last UpdatedApril 30, 2026
Details
As Low As
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Unsecured Loans
8.90%
▼
APR8.90%
Last UpdatedApril 30, 2026
Details
As Low As; Limits up to $30,000
APR8.90%
Last UpdatedApril 30, 2026
Details
As Low As
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Pool Loans
8.95%
▼
APR8.95%
Last UpdatedApril 30, 2026
Details
No additional details available.
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Signature Loans
8.95%
▼
APR8.95%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 30, 2026
Details
Rates subject to credit score and term
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedApril 30, 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.
APR9.25%
Last UpdatedApril 30, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 30, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Personal/Signature Loan
9.49%
▼
APR9.49%
Last UpdatedApril 30, 2026
Details
As Low As
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
Unsecured
9.50%
▼
APR9.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR9.50%
Last UpdatedApril 30, 2026
Details
As Low As
APR9.50%
Last UpdatedApril 30, 2026
Details
As Low As
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Signature Loans
9.90%
▼
APR9.90%
Last UpdatedApril 30, 2026
Details
As Low As
APR9.95%
Last UpdatedApril 30, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedApril 30, 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%
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
Unsecured Loans A Paper
10.00%
▼
APR10.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
Seasonal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 30, 2026
Details
As Low As
APR10.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loan - Closed End
10.00%
▼
APR10.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Personal Custom Loan
10.45%
▼
APR10.45%
Last UpdatedApril 30, 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%
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedApril 30, 2026
Details
As Low As
APR10.49%
Last UpdatedApril 30, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 30, 2026
Details
As Low As; APR* as low as 10.50%
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
Signature / Unsecured
10.99%
▼
APR10.99%
Last UpdatedApril 30, 2026
Details
As Low As
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR11.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR11.20%
Last UpdatedApril 30, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Signature Loans
11.20%
▼
APR11.20%
Last UpdatedApril 30, 2026
Details
As Low As
APR11.74%
Last UpdatedApril 30, 2026
Details
No additional details available.
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
Unsecured Loans B Paper
12.00%
▼
APR12.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
Credit Improvement Loans Single Payment
12.00%
▼
APR12.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loans - Open End
12.00%
▼
APR12.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR12.74%
Last UpdatedApril 30, 2026
Details
No additional details available.
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
Credit Improvement Loans Closed End
12.95%
▼
APR12.95%
Last UpdatedApril 30, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Signature
12.99%
▼
APR12.99%
Last UpdatedApril 30, 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%
Personal Signature Loans
13.25%
▼
APR13.25%
Last UpdatedApril 30, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 30, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 30, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
Credit Improvement Loans Closed End
13.95%
▼
APR13.95%
Last UpdatedApril 30, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Signature
13.99%
▼
APR13.99%
Last UpdatedApril 30, 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%
Unsecured Loans C Paper
14.00%
▼
APR14.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 30, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 30, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
Credit Improvement Loans Closed End
14.95%
▼
APR14.95%
Last UpdatedApril 30, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Signature
14.99%
▼
APR14.99%
Last UpdatedApril 30, 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%
Unsecured Loans D Paper
16.00%
▼
APR16.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
Unsecured Loans E Paper & Below
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Debt Consolidation Loans
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
discount with direct deposit
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
discount with direct deposit
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Unsecured Loan
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Credit Repair Loan
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Payday Loans
25.00%
▼
APR25.00%
Last UpdatedApril 30, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 30, 2026
Details
As Low As; Monthly payment of $32.15 per $1,000.00 borrowed
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 30, 2026
Details
As Low As; Monthly payment of $25.72 per $1,000.00 borrowed
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 30, 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 30, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured
13.50%
▼
APR13.50%
Last UpdatedApril 30, 2026
Details
Single Payment Signature Loan
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured Closed End Signature Loan - 48 Month Term
13.50%
▼
APR13.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured Single Payment Signature Loan - 3 Month Term
13.50%
▼
APR13.50%
Last UpdatedApril 30, 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 30, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured
14.50%
▼
APR14.50%
Last UpdatedApril 30, 2026
Details
Closed End Signature Loan
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured Closed End Signature Loan - 60 Month Term
14.50%
▼
APR14.50%
Last UpdatedApril 30, 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 30, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured Breathe Easy Loan* - 12 Month Term
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedApril 30, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
7.75%
▼
APR7.75%
Last UpdatedApril 30, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
8.25%
▼
APR8.25%
Last UpdatedApril 30, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.90%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 30, 2026
Details
Rates subject to credit score and term
APR9.25%
Last UpdatedApril 30, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 30, 2026
Details
As Low As
APR9.50%
Last UpdatedApril 30, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 30, 2026
Details
As Low As; APR* as low as 10.50%
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR11.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR11.74%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR12.74%
Last UpdatedApril 30, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 30, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 30, 2026
Details
As Low As
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
discount with direct deposit
Powered by
MonitorBankRates
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%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 30, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 30, 2026
Details
As Low As
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Debt Consolidation Loans
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
discount with direct deposit
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
9178 Parkway E, Birmingham, AL, 35206 1507
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedApril 30, 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 30, 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
Personal Signature Loans (Closed End)
10.80%
▼
APR10.80%
Last UpdatedApril 30, 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 30, 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 30, 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 30, 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 30, 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 30, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured Single Payment Signature Loan - 3 Month Term
13.50%
▼
APR13.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured Closed End Signature Loan - 48 Month Term
13.50%
▼
APR13.50%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3000 Winewood Rd, Birmingham, AL, 35215
Personal Loans - Unsecured Closed End Signature Loan - 60 Month Term
14.50%
▼
APR14.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
6.50%
▼
APR6.50%
Last UpdatedApril 30, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
7.00%
▼
APR7.00%
Last UpdatedApril 30, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
7.50%
▼
APR7.50%
Last UpdatedApril 30, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As; Max amount of $15,000.00
APR7.99%
Last UpdatedApril 30, 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%
Signature W/Collateral
8.00%
▼
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedApril 30, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.50%
▼
APR8.50%
Last UpdatedApril 30, 2026
Details
As Low As
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Signature Loans
8.95%
▼
APR8.95%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 30, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Personal/Signature Loan
9.49%
▼
APR9.49%
Last UpdatedApril 30, 2026
Details
As Low As
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Signature Loans
9.90%
▼
APR9.90%
Last UpdatedApril 30, 2026
Details
As Low As
APR9.95%
Last UpdatedApril 30, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedApril 30, 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%
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loan - Closed End
10.00%
▼
APR10.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedApril 30, 2026
Details
As Low As
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
Signature / Unsecured
10.99%
▼
APR10.99%
Last UpdatedApril 30, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Signature Loans
11.20%
▼
APR11.20%
Last UpdatedApril 30, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loans - Open End
12.00%
▼
APR12.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Signature
12.99%
▼
APR12.99%
Last UpdatedApril 30, 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%
Personal Signature Loans
13.25%
▼
APR13.25%
Last UpdatedApril 30, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Signature
13.99%
▼
APR13.99%
Last UpdatedApril 30, 2026
Details
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Signature
14.99%
▼
APR14.99%
Last UpdatedApril 30, 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%
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
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MonitorBankRates
No home improvement personal loan rates found in Birmingham, AL currently.
Birmingham, AL Personal Loan Rate Trends
Compare local Birmingham, AL 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 30, 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 Birmingham, 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 Birmingham, 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 Birmingham, 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 Birmingham, Alabama?
Credit unions in Birmingham, 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 Birmingham, Alabama?
- Alabama Central Credit Union: 6.75% (Construction Loan)
- Alabama Credit Union: 6.75% (Lifestyle Loan)
- Hope Federal Credit Union Jackson, MS: 7.50% (Unsecured / Signature)
- Legacy Community Federal Credit Union: 7.70% (Holiday Loan)
- Avadian Credit Union: 8.26% (Land Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Birmingham, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 27, 2026.
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