Auto Loans · Mobile, Alabama
9 credit unions in Mobile report car loan rates to the NCUA. Rates range from 4.49% to 6.70%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
4.49%
Lowest New Car Rate
5.53%
City Average Rate
9 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MOBILE EDUCATORS ★ 4.0 · 20 reviews | 4.49% | 4.49% |
| 2 | MOBILE GOVERNMENT EMP. | 4.53% | 4.20% |
| 3 | UNIVERSITY OF SOUTH ALABAMA ★ 3.6 · 30 reviews | 5.00% | 5.00% |
| 4 | THE INFIRMARY ★ 4.3 · 24 reviews | 5.03% | 6.25% |
| 5 | MOBILE POSTAL ★ 4.9 · 19 reviews | 5.42% | 6.98% |
| 6 | BLUE FLAME ★ 4.5 · 21 reviews | 5.96% | 6.77% |
| 7 | NEW HORIZONS ★ 4.7 · 411 reviews | 5.99% | 3.99% |
| 8 | AZALEA CITY ★ 4.5 · 22 reviews | 6.67% | 8.06% |
| 9 | GULF COAST ★ 3.6 · 16 reviews | 6.70% | 13.90% |
9 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NEW HORIZONS ★ 4.7 · 411 reviews | 3.99% | 5.99% |
| 2 | MOBILE GOVERNMENT EMP. | 4.20% | 4.53% |
| 3 | MOBILE EDUCATORS ★ 4.0 · 20 reviews | 4.49% | 4.49% |
| 4 | UNIVERSITY OF SOUTH ALABAMA ★ 3.6 · 30 reviews | 5.00% | 5.00% |
| 5 | THE INFIRMARY ★ 4.3 · 24 reviews | 6.25% | 5.03% |
| 6 | BLUE FLAME ★ 4.5 · 21 reviews | 6.77% | 5.96% |
| 7 | MOBILE POSTAL ★ 4.9 · 19 reviews | 6.98% | 5.42% |
| 8 | AZALEA CITY ★ 4.5 · 22 reviews | 8.06% | 6.67% |
| 9 | GULF COAST ★ 3.6 · 16 reviews | 13.90% | 6.70% |
A pre-approval from a Mobile 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 Mobile in the same window and take the best offer.
See member reviews, branch locations, and full rate details.