Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Alabama
Daily average across every credit union lending in AL, past 90 days. Dashed line is the national FRED benchmark.
30 Year Fixed rates in Alabama
Credit unions lending in Alabama
Membership is available to anyone who lives, works, worships, or attends school in select counties in Alabama and Florida, as well as employees of member companies and relatives of current members.
Membership is open to anyone who lives, works, worships, or attends school in the ten-county Greater Birmingham Metropolitan Area, including Jefferson, Shelby, Blount, St. Clair, Walker, Chilton, Bibb, Coosa, Cullman, and Talladega counties, as well as the UAB community.
Membership is open to anyone who lives, works, or worships in one of 15 counties across northern and central Alabama, including Jefferson, Madison, and Etowah counties.
Service Credit Union offers nationwide membership to anyone in the U.S. who joins the American Consumer Council or the Financial Fitness Association for free. It also primarily serves active duty military, veterans, Department of Defense employees, and their families.
Membership is open to employees and retirees of Alabama Power, Georgia Power, Mississippi Power, Southern Nuclear, and other Southern Company affiliates. Family members of current credit union members are also eligible to join.
Affinity Federal Credit Union is open to anyone nationwide who makes a one-time $5 donation to the Affinity Foundation or joins a qualifying association. Employees of over 2,000 partner businesses and family members of current members are also eligible to join.
Membership in ALL IN Credit Union is open to those who live, work, worship, or attend school in Pike or Crenshaw Counties in Alabama, or Jackson or Walton Counties in Florida. Eligibility also extends to people in various other counties in Alabama (Barbour, Bullock, Butler, Coffee, Conecuh, Covington, Dale, Henry, Houston, Macon, Mobile, Monroe, Montgomery), Florida (Okaloosa), Georgia (Baldwin, B
Transportation Federal Credit Union is open to employees of the Department of Transportation and various transportation-related agencies. Anyone else in the U.S. can become eligible by joining the American Consumer Council (ACC).
MIT Federal Credit Union is open to the MIT community, including students, employees, and alumni, as well as several partner organizations like Draper and Lincoln Labs. Anyone else in the U.S. can also qualify for membership by joining the American Consumer Council during the application process.
Membership is open to anyone who lives, works, worships, volunteers, or attends school in Muscogee, Chattahoochee, Harris, or Marion counties in Georgia, or Lee, Russell, and Macon counties in Alabama. Immediate family members of existing members are also eligible to join.
See which of these credit unions you can join
Enter your ZIP to filter this list to only the credit unions that serve your address — no email required.
Common questions
Daily. We re-scrape the publicly posted rate pages from every credit union that lends in Alabama every morning.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.
Nearby states
Also live: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming