Auto Loans · Opelika, Alabama
2 credit unions in Opelika report car loan rates to the NCUA. Rates range from 4.25% to 6.53%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.25%
Lowest New Car Rate
5.39%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EAST ALABAMA COMMUNITY ★ 4.7 · 15 reviews | 4.25% | 4.25% |
| 2 | FOUR SEASONS ★ 3.4 · 59 reviews | 6.53% | 8.62% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | EAST ALABAMA COMMUNITY ★ 4.7 · 15 reviews | 4.25% | 4.25% |
| 2 | FOUR SEASONS ★ 3.4 · 59 reviews | 8.62% | 6.53% |
A pre-approval from a Opelika 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 Opelika in the same window and take the best offer.
See member reviews, branch locations, and full rate details.