--- title: "New Horizons Credit Union Rates - Alabama" description: "Current mortgage, vehicle loan, heloc, personal loan, and savings & cd rates from New Horizons Credit Union in Alabama. Updated daily with source verification. See who can join New Horizons Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/alabama/new-horizons" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # New Horizons Credit Union Rates - Alabama ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **15-yr. Fixed Rate HE** 15 year fixed | — APR | 7.780% | — | Standard | | **10-yr. Fixed Rate HE** 10 year fixed | — APR | 7.280% | — | Standard | | **5-year Fixed HE** other | — APR | 6.780% | — | Standard | New Horizons Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 13 offers | Product | Published | Rate | Term / condition | Status | | **New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)** auto_new_36mo | — APR | 3.490% | 36 mo · new | Standard | | **36-Month Used Auto Loan (2020–2024)** auto_used_36mo | — APR | 3.990% | 36 mo · used | Standard | | **New Auto Loan** auto_new | — APR | 3.990% | new | Standard | | **New Autos (2026, 2025 w/less than 15,000 miles)** auto_new_36mo | — APR | 3.990% | 36 mo · new | Standard | | **New Boat Loan** boat_new | — APR | 5.490% | new | Standard | | **New/Used** auto_any_66mo | — APR | 5.490% | 66 mo · any | Standard | | **New/Used RV** rv_any_66mo | — APR | 5.750% | 66 mo · any | Standard | | **36-Month Used Auto Loan (2015–2019)** auto_used_36mo | — APR | 5.990% | 36 mo · used | Standard | | **New/Used Motorcycle** motorcycle_any_48mo | — APR | 6.250% | 48 mo · any | Standard | | **New/Used ATVs, Dirt Bikes & Golf Carts** powersports_any_36mo | — APR | 6.490% | 36 mo · any | Standard | | **36-Month Used Auto Loan (2014 and Older)** auto_used_36mo | — APR | 7.250% | 36 mo · used | Standard | | **New Autos (2026, 2025 w/less than 15,000) $65,000 minimum; No 90-day option; Max LTV 110% financing** auto_new_96mo | — APR | 7.490% | 96 mo · new | Standard | | **Classic Auto^^ ^^(Conditions & Restrictions may apply.)** auto_any_24mo | — APR | 8.990% | 24 mo | Standard | New Horizons Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.960% | — | Standard | New Horizons Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Personal/Signature Loan** personal_unsecured_36mo | — APR | 9.490% | 36 mo | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.490% | — | Standard | New Horizons Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 22 offers | Product | Published | Rate | Term / condition | Status | | **$2,500 - $9,999** savings | — APY | 0.10% | — | Standard | | **3 Months Dividend** cd_3mo | — APY | 0.10% | 3 mo | Standard | | **Christmas Account** savings | — APY | 0.10% | — | Standard | | **IRA** ira | — APY | 0.20% | — | Standard | | **$10,000 - $24,999** savings | — APY | 0.20% | — | Standard | | **Ultimate Dividend Checking** checking | — APY | 0.25% | — | Standard | | **$25,000 - $49,999** savings | — APY | 0.30% | — | Standard | | **$50,000 - $99,999** savings | — APY | 0.40% | — | Standard | | **$100,000 And Up** savings | — APY | 0.45% | — | Standard | | **36 Month Jumbo** cd_36mo | — APY | 2.47% | 36 mo | Standard | | **3 Months Dividend** cd_36mo | — APY | 2.47% | 36 mo | Standard | | **36 Month Jumbo** cd_36mo | — APY | 2.50% | 36 mo | Standard | | **3 Months Dividend** cd_24mo | — APY | 2.72% | 24 mo | Standard | | **24 Month Jumbo** cd_24mo | — APY | 2.72% | 24 mo | Standard | | **24 Month Jumbo** cd_24mo | — APY | 2.75% | 24 mo | Standard | | **Ultimate Dividend Checking** checking | — APY | 3.20% | — | Standard | | **Ultimate Dividend Checking** checking | — APY | 3.20% | — | Standard | | **$.01 - $10,000** savings | — APY | 3.25% | — | Standard | | **3 Months Dividend** cd_12mo | — APY | 3.73% | 12 mo | Standard | | **12 Month Jumbo** cd_12mo | — APY | 3.73% | 12 mo | Standard | | **12 Month Jumbo** cd_12mo | — APY | 3.80% | 12 mo | Standard | | **180 Days** savings | — APY | 4.00% | — | Standard | New Horizons Credit Union savings & cd rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **New/Used** other | — % | 6.990% | — | Standard | New Horizons Credit Union other rates as of November 13, 2026 New Horizons Credit Union is a credit union in Alabama. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/alabama/new-horizons) , verified from [New Horizons Credit Union's official website](https://www.newhcu.org/) Loading branch locator… ## About New Horizons Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 23.5K Assets $296.2M Founded 1950 Locations reported 9 NCUA charter 60799 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships - Credit-builder products 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. [**Navigator** Cottage Hill · Mobile · AL · 36609 About 0.8 miles away](https://rateapi.dev/credit-unions/mississippi/navigator) [**Azalea City** Azalea City Credit Union · MOBILE · AL · 36609 About 1.3 miles away](https://rateapi.dev/credit-unions/alabama/azalea-city) [**Gulf Coast** Branch-4313 Downtowner · Mobile · AL · 36609 About 1.5 miles away](https://rateapi.dev/credit-unions/alabama/gulf-coast) [**JM Associates** Mobile · Mobile · AL · 36609-5195 About 1.6 miles away](https://rateapi.dev/credit-unions/florida/jm-associates) [**Avadian** Mobile · Mobile · AL · 36609 About 1.6 miles away](https://rateapi.dev/credit-unions/alabama/avadian) [**All in** Mobile Downtowner · Mobile · AL · 36609 About 1.7 miles away](https://rateapi.dev/credit-unions/alabama/all-in) 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 New Horizons Credit Union Membership eligibility from New Horizons Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on New Horizons Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [New Horizons Credit Union's membership page](https://www.newhcu.org/accounts/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for New Horizons Credit Union Family 1 published path to membership, last verified August 22, 2026, quoted from New Horizons Credit Union’s own published criteria. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member relative “You can also join New Horizons Credit Union if you are related to a current member” > [source ↗](https://www.newhcu.org/accounts/become-a-member) - Family member (relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for New Horizons Credit Union? Yes No ## Work at New Horizons 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 New Horizons Credit Union ranks against Alabama peers. - See which AI assistants fetched New Horizons 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=new-horizons&state=alabama&code=AL&name=New%20Horizons%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does New Horizons Credit Union offer? New Horizons Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are New Horizons Credit Union rates updated? RateAPI verifies New Horizons Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get New Horizons Credit Union's rate data? Rate data is collected directly from New Horizons 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 New Horizons Credit Union? New Horizons Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path for New Horizons Credit Union, each quoted from New Horizons Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare New Horizons 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 auto loan rate leaders](https://rateapi.dev/auto-loan-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) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-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://www.newhcu.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 New Horizons 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 New Horizons Credit Union curl "https://api.rateapi.dev/credit-unions/alabama /new-horizons " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## New Horizons 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/new-horizons Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp