Auto Loans · Huntsville, Alabama
3 credit unions in Huntsville report car loan rates to the NCUA. Rates range from 4.75% to 7.09%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.75%
Lowest New Car Rate
5.73%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NORTH ALABAMA EDUCATORS ★ 3.6 · 8 reviews | 4.75% | 4.75% |
| 2 | ROCKET CITY ★ 3.2 · 27 reviews | 5.36% | 5.81% |
| 3 | REDSTONE ★ 3.8 · 209 reviews | 7.09% | 8.08% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NORTH ALABAMA EDUCATORS ★ 3.6 · 8 reviews | 4.75% | 4.75% |
| 2 | ROCKET CITY ★ 3.2 · 27 reviews | 5.81% | 5.36% |
| 3 | REDSTONE ★ 3.8 · 209 reviews | 8.08% | 7.09% |
A pre-approval from a Huntsville 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 Huntsville in the same window and take the best offer.
See member reviews, branch locations, and full rate details.