Auto Loans · Montgomery, Alabama
4 credit unions in Montgomery report car loan rates to the NCUA. Rates range from 5.14% to 7.11%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
5.14%
Lowest New Car Rate
6.17%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FEDMONT ★ 3.9 · 12 reviews | 5.14% | 6.50% |
| 2 | ALABAMA STATE EMPLOYEES ★ 4.3 · 125 reviews | 5.84% | 7.21% |
| 3 | MONTGOMERY VA ★ 4.8 · 5 reviews | 6.59% | 7.24% |
| 4 | MAX ★ 3.0 · 72 reviews | 7.11% | 7.44% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FEDMONT ★ 3.9 · 12 reviews | 6.50% | 5.14% |
| 2 | ALABAMA STATE EMPLOYEES ★ 4.3 · 125 reviews | 7.21% | 5.84% |
| 3 | MONTGOMERY VA ★ 4.8 · 5 reviews | 7.24% | 6.59% |
| 4 | MAX ★ 3.0 · 72 reviews | 7.44% | 7.11% |
A pre-approval from a Montgomery 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 Montgomery in the same window and take the best offer.
See member reviews, branch locations, and full rate details.