Credit Cards · Alabama
52 credit unions in Alabama report credit card APRs to the NCUA. Rates range from 7.24% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
52
CUs Reporting Rates
7.24%
Lowest Card APR
11.28%
State Average APR
31
Cities Covered
52 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | ECO Birmingham | 7.24% | 13.16% |
| 2 | RED OAK Tuscaloosa | 8.00% | 10.00% |
| 3 | AMERICA'S FIRST Birmingham | 8.30% | 11.51% |
| 4 | EAST ALABAMA COMMUNITY OPELIKA | 8.90% | 9.99% |
| 5 | NEW HORIZONS MOBILE | 8.90% | 12.99% |
| 6 | LEGACY COMMUNITY BIRMINGHAM | 8.90% | 12.75% |
| 7 | UNIVERSITY OF SOUTH ALABAMA MOBILE | 8.90% | 7.40% |
| 8 | HERITAGE SOUTH Sylacauga | 9.54% | 13.87% |
| 9 | COOSA PINES Childersburg | 9.64% | 11.99% |
| 10 | JEFFERSON CREDIT UNION Hoover | 9.70% | 14.29% |
| 11 | ROCKET CITY HUNTSVILLE | 9.75% | 18.00% |
| 12 | FORT MCCLELLAN Anniston | 9.90% | 13.22% |
| 13 | WINSOUTH GADSDEN | 9.90% | 9.99% |
| 14 | SOCIAL SECURITY Birmingham | 9.90% | 14.71% |
| 15 | TVA COMMUNITY CREDIT UNION MUSCLE SHOALS | 9.95% | 13.50% |
| 16 | ALATRUST HOOVER | 9.95% | 17.99% |
| 17 | ACIPCO BIRMINGHAM | 9.99% | 10.00% |
| 18 | CHAMPION COMMUNITY Courtland | 9.99% | 11.99% |
| 19 | THE INFIRMARY Mobile | 9.99% | 12.15% |
| 20 | SOUTHERN ENERGY BIRMINGHAM | 10.00% | 10.90% |
| 21 | MOBILE EDUCATORS MOBILE | 10.00% | 10.00% |
| 22 | ALL IN DALEVILLE | 10.14% | 5.06% |
| 23 | AVADIAN Birmingham | 10.39% | 8.84% |
| 24 | FIVE STAR Dothan | 10.75% | 14.00% |
| 25 | VALLEY TUSCUMBIA | 10.88% | 10.75% |
| 26 | AUBURN UNIVERSITY Auburn | 10.90% | 13.81% |
| 27 | ALABAMA TUSCALOOSA | 10.90% | 12.00% |
| 28 | SOLUTIONS FIRST Enterprise | 10.90% | 7.13% |
| 29 | FOUR SEASONS OPELIKA | 10.90% | 8.85% |
| 30 | THE BRIDGEWAY Phenix City | 10.90% | 12.51% |
| 31 | ANG Birmingham | 10.91% | 12.52% |
| 32 | EMBLEM GADSDEN | 11.00% | 14.00% |
| 33 | TUSCALOOSA V A Tuscaloosa | 11.90% | 13.99% |
| 34 | L&N EMPLOYEES Birmingham | 11.90% | 15.94% |
| 35 | ALABAMA STATE EMPLOYEES Montgomery | 11.92% | 12.09% |
| 36 | GULF COAST MOBILE | 11.99% | 11.99% |
| 37 | FAMILY SECURITY Decatur | 12.40% | 10.99% |
| 38 | AZALEA CITY MOBILE | 12.62% | 16.11% |
| 39 | FLORENCE Florence | 12.75% | 12.79% |
| 40 | RIVERFALL Tuscaloosa | 12.90% | 10.49% |
| 41 | ALABAMA ONE Tuscaloosa | 12.99% | 14.50% |
| 42 | HEALTH Birmingham | 13.00% | 13.50% |
| 43 | RAILROAD Irondale | 13.00% | 11.99% |
| 44 | LISTERHILL Sheffield | 13.02% | 12.43% |
| 45 | MUTUAL SAVINGS Birmingham | 13.42% | 14.82% |
| 46 | AOD Bynum | 13.45% | 14.70% |
| 47 | FAMILY SAVINGS Rainbow City | 13.66% | 16.00% |
| 48 | MAX Montgomery | 15.27% | 13.59% |
| 49 | NAHEOLA Pennington | 15.29% | 11.94% |
| 50 | GUARDIAN Prattville | 15.50% | 28.00% |
| 51 | REDSTONE HUNTSVILLE | 15.50% | 11.43% |
| 52 | ALABAMA CENTRAL Birmingham | 18.00% | 12.99% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Alabama accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Alabama offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.