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, plotted on the date FRED assigns each reading (it is published about a day later).
Mortgage 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.
FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.
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.
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.
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
Membership is open to those who live, work, worship, or attend school in served Alabama counties, and to employees of Ruby Tuesday or Compass Group. Residents of Alabama, Mississippi, Tennessee, Florida, or Georgia can also join for free by becoming a member of the Alabama Consumer Council (ACC) — Family Security covers the ACC membership fee.
Connexus Credit Union is open to anyone in the United States through a one-time $5 donation to the Connexus Association. Membership is also available to employees of specific partner companies, residents of select counties in Wisconsin and Illinois, and those who live in several cities across Minnesota and Ohio.
See which of these credit unions you can join
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Common questions
Twice a week — every Monday and Thursday. We re-read the publicly posted rate pages from every credit union that lends in Alabamastarting around 11 a.m. Central.
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.
How do credit union mortgage rates in Alabama compare to bank rates?
We don't publish bank rates, so the fairest comparison available is the national average across all lenders. Freddie Mac's weekly PMMS average puts the 30-year fixed rate at 7.24% as of October 29, 2026.
Of the 42 credit unions listed here lending in Alabama with a 30-year fixed mortgage, 16 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 16, the median rate is 7% and the lowest is 6.5%, at WINSOUTH. 15 of the 16 are below the national average.
We narrow the set because a rate bought down with points is not comparable to one without points.
One caveat in our favour and one against. Freddie Mac's average includes credit unions alongside banks, so it is a blended figure — if credit union rates sit below the blend, they sit further below a bank-only average. Against: since November 17, 2022, PMMS has used actual mortgage loan applications rather than a lender survey. Our figures are advertised rates, typically a lender's best tier, not application rates. Freddie Mac also stopped publishing average points then, so we can't confirm its point structure, while every rate in our comparison set is a zero-point rate. Freddie Mac's methodology.
More on reading these numbers: APR vs. interest rate vs. points and how we collect rates.
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