Auto Loans · Hoover, Alabama
2 credit unions in Hoover report car loan rates to the NCUA. Rates range from 5.99% to 7.11%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.99%
Lowest New Car Rate
6.55%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ALATRUST ★ 4.7 · 66 reviews | 5.99% | 2.99% |
| 2 | JEFFERSON CREDIT UNION ★ 3.5 · 17 reviews | 7.11% | 7.80% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ALATRUST ★ 4.7 · 66 reviews | 2.99% | 5.99% |
| 2 | JEFFERSON CREDIT UNION ★ 3.5 · 17 reviews | 7.80% | 7.11% |
A pre-approval from a Hoover credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Hoover in the same window and take the best offer.
See member reviews, branch locations, and full rate details.