Personal Loans · Birmingham, Alabama
19 credit unions in Birmingham report personal loan rates to the NCUA. Rates range from 8.84% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
19
CUs Reporting Rates
8.84%
Lowest Rate
13.09%
City Average Rate
19 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | AVADIAN ★ 2.8 · 50 reviews | 8.84% | 10.39% |
| 2 | S R I EMPLOYEES ★ 4.0 · 15 reviews | 9.25% | — |
| 3 | ACIPCO ★ 3.9 · 31 reviews | 10.00% | 9.99% |
| 4 | BIRMINGHAM CITY ★ 3.2 · 15 reviews | 10.80% | — |
| 5 | SOUTHERN ENERGY ★ 3.9 · 46 reviews | 10.90% | 10.00% |
| 6 | AMERICA'S FIRST ★ 4.4 · 302 reviews | 11.51% | 8.30% |
| 7 | SIXTH AVENUE BAPTIST ★ 5.0 · 1 reviews | 12.00% | — |
| 8 | ANG ★ 4.8 · 5 reviews | 12.52% | 10.91% |
| 9 | LEGACY COMMUNITY ★ 3.9 · 72 reviews | 12.75% | 8.90% |
| 10 | ALABAMA CENTRAL ★ 3.1 · 23 reviews | 12.99% | 18.00% |
| 11 | ECO ★ 3.1 · 14 reviews | 13.16% | 7.24% |
| 12 | HEALTH ★ 4.9 · 10 reviews | 13.50% | 13.00% |
| 13 | SOCIAL SECURITY ★ 4.0 · 15 reviews | 14.71% | 9.90% |
| 14 | MUTUAL SAVINGS ★ 2.9 · 43 reviews | 14.82% | 13.42% |
| 15 | FIREMAN'S ★ 5.0 · 2 reviews | 15.00% | — |
| 16 | FEDERAL EMPLOYEES ★ 4.3 · 16 reviews | 15.00% | — |
| 17 | L&N EMPLOYEES ★ 4.3 · 12 reviews | 15.94% | 11.90% |
| 18 | ALABAMA POSTAL ★ 3.7 · 46 reviews | 17.00% | — |
| 19 | NRS COMMUNITY DEVELOPMENT ★ 4.5 · 6 reviews | 18.00% | — |
If you have high-rate credit card balances, a personal loan from a Birmingham credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.