Auto Loans · Tuscaloosa, Alabama
6 credit unions in Tuscaloosa report car loan rates to the NCUA. Rates range from 3.99% to 7.74%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.53%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ALABAMA ONE ★ 3.5 · 178 reviews | 3.99% | 5.99% |
| 2 | RIVERFALL ★ 4.9 · 1,418 reviews | 4.74% | 6.49% |
| 3 | CITY ★ 5.0 · 4 reviews | 5.00% | 5.00% |
| 4 | ALABAMA ★ 3.4 · 23 reviews | 5.70% | 7.10% |
| 5 | RED OAK ★ 3.8 · 26 reviews | 6.00% | 6.00% |
| 6 | TUSCALOOSA V A ★ 2.8 · 17 reviews | 7.74% | 8.99% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CITY ★ 5.0 · 4 reviews | 5.00% | 5.00% |
| 2 | ALABAMA ONE ★ 3.5 · 178 reviews | 5.99% | 3.99% |
| 3 | RED OAK ★ 3.8 · 26 reviews | 6.00% | 6.00% |
| 4 | RIVERFALL ★ 4.9 · 1,418 reviews | 6.49% | 4.74% |
| 5 | ALABAMA ★ 3.4 · 23 reviews | 7.10% | 5.70% |
| 6 | TUSCALOOSA V A ★ 2.8 · 17 reviews | 8.99% | 7.74% |
A pre-approval from a Tuscaloosa 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 Tuscaloosa in the same window and take the best offer.
See member reviews, branch locations, and full rate details.