--- title: "Alabama Central Credit Union Rates - Alabama" description: "Current mortgage, heloc, and personal loan rates from Alabama Central Credit Union in Alabama. Updated daily with source verification. See who can join Alabama Central Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/alabama/alabama-central" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Alabama Central Credit Union Rates - Alabama ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **1st Mortgage** other | — APR | 5.500% | — | Standard | | **Land Loan** other | — APR | 7.000% | — | Standard | | **Construction Loan** other | — APR | 7.000% | — | Standard | | **2nd Mortgage** other | — APR | 8.000% | — | Standard | Alabama Central Credit Union mortgage rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **1st Mortgage HELOC** heloc_variable | — APR | 7.000% | — | Standard | | **2nd Mortgage HELOC** heloc_variable | — APR | 7.500% | — | Standard | Alabama Central Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 6.000% | — | Standard | | **Christmas Club Loan** personal | — APR | 8.990% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 11.500% | — | Standard | Alabama Central Credit Union personal loan rates as of November 12, 2026 Alabama Central Credit Union is a credit union in Alabama. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/alabama/alabama-central) , verified from [Alabama Central Credit Union's official website](https://alabamacentral.org/) Loading branch locator… ## About Alabama Central Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 18.5K Assets $216.4M Founded 1938 Locations reported 9 NCUA charter 60712 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Jefferson Credit Union** Avondale · Birmingham · AL · 35222 About 0.5 miles away](https://rateapi.dev/credit-unions/alabama/jefferson-credit-union) [**Alabama Postal** Alabama Postal Credit Union · Birmingham · AL · 35203-3836 About 1.8 miles away](https://rateapi.dev/credit-unions/alabama/alabama-postal) [**Alabama** Downtown Birmingham Post Office · Birmingham · AL · 35203-3836 About 1.8 miles away](https://rateapi.dev/credit-unions/alabama/alabama) [**Avadian** Midtown · Birmingham · AL · 35233 About 2.1 miles away](https://rateapi.dev/credit-unions/alabama/avadian) [**Legacy Community** UAB · BIRMINGHAM · AL · 35233-2014 About 2.2 miles away](https://rateapi.dev/credit-unions/alabama/legacy-community) [**Southern Energy** Alabama Power Headquarters · Birmingham · AL · 35203-2206 About 2.4 miles away](https://rateapi.dev/credit-unions/alabama/southern-energy) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Alabama Central Credit Union Membership eligibility from Alabama Central Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Alabama Central Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Alabama Central Credit Union's membership page](https://alabamacentral.org/) . Final membership determination is always made by the credit union. ## Work at Alabama Central Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Alabama Central Credit Union ranks against Alabama peers. - See which AI assistants fetched Alabama Central Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Alabama - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=alabama-central&state=alabama&code=AL&name=Alabama%20Central%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Alabama Central Credit Union offer? Alabama Central Credit Union currently offers mortgage, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Alabama Central Credit Union rates updated? RateAPI verifies Alabama Central Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Alabama Central Credit Union's rate data? Rate data is collected directly from Alabama Central Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Alabama Central Credit Union? Alabama Central Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Alabama Central Credit Union's rates against national credit-union benchmarks. [More Alabama credit unions](https://rateapi.dev/credit-unions/alabama) [Alabama mortgage rate leaders](https://rateapi.dev/mortgage-rates/alabama) [Alabama HELOC rate leaders](https://rateapi.dev/heloc-rates/alabama) [Alabama personal loan leaders](https://rateapi.dev/personal-loan-rates/alabama) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://alabamacentral.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Alabama Central Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Alabama credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Alabama Central Credit Union curl "https://api.rateapi.dev/credit-unions/alabama /alabama-central " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Alabama Central Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/alabama/alabama-central Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp