--- title: "Alabama Credit Union Mortgage Rates" description: "6 Alabama credit unions compared, November 2026: 30-year fixed mortgages from 6.619% APR at Winsouth. Verified from real credit union rate sheets — no paid ranking, no affiliate links." canonical: "https://rateapi.dev/mortgage-rates/alabama" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Alabama Credit Union Mortgage Rates Compare local 30-year fixed, first-mortgage rates from credit unions in Alabama. Today's best 30-year rate: 6.619% APR at Winsouth. Zero affiliate bias - rates ranked by true cost. Updated November 2026 46 Credit Unions [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / Alabama **Quick answer:** As of November 2026, 30-year fixed mortgage rates from credit unions in Alabama range from **6.619% to 7.389% APR** , with a median of 6.885% APR across 6 institutions. The lowest rate currently comes from Winsouth. Rates below are ranked by true cost with no affiliate bias. 6.619% Lowest 30yr APR Winsouth 6.885% Median APR 7.389% Highest APR 6 Institutions Alabama mortgage rates range from 6.619% to 7.389% APR for 30-year fixed loans. Data from 46 credit unions, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/alabama) ## Top Alabama Credit Unions for Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Demopolis Credit Union 30-Year Fixed | 6.375% | 6.375% | $2,495/mo | [Visit Site](https://demopolisfcu.com/) | Family Security Credit Union 30-Year Fixed | 6.75% | 6.75% | $2,594/mo | [Visit Site](https://www.myfscu.com/) | America's First Credit Union 30-Year Fixed | 7% | 7% | $2,661/mo | [Visit Site](https://www.americafirst.com/accounts/certificate-accounts/regular-cd.html) | Alabama One Credit Union 30-Year Fixed | 7.25% | 7.25% | $2,729/mo | [Visit Site](https://www.alabamaone.org/) | ## 15-Year Fixed Rates in Alabama Lowest APR 6.261% Median APR 6.261% Institutions 5 ## How to Get the Best Mortgage Rate in Alabama Credit unions in Alabama often offer lower mortgage rates than traditional banks because they're member-owned non-profits. Here's how to qualify for the best rates: 1 #### Check Your Credit Score Scores above 740 typically qualify for the best rates. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many Alabama credit unions have flexible membership requirements. Some are open to anyone who lives, works, or worships in the area. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your loan. Compare at least 3-5 lenders. 4 #### Consider Points Paying points upfront can lower your rate. This makes sense if you plan to stay in your home long-term. ## Mortgage Rates by City in Alabama [Birmingham Mortgage Rates](https://rateapi.dev/mortgage-rates/alabama/birmingham) [Tuscaloosa Mortgage Rates](https://rateapi.dev/mortgage-rates/alabama/tuscaloosa) [Mobile Mortgage Rates](https://rateapi.dev/mortgage-rates/alabama/mobile) [Montgomery Mortgage Rates](https://rateapi.dev/mortgage-rates/alabama/montgomery) [Huntsville Mortgage Rates](https://rateapi.dev/mortgage-rates/alabama/huntsville) [Anniston Mortgage Rates](https://rateapi.dev/mortgage-rates/alabama/anniston) [Decatur Mortgage Rates](https://rateapi.dev/mortgage-rates/alabama/decatur) [Florence Mortgage Rates](https://rateapi.dev/mortgage-rates/alabama/florence) [Gadsden Mortgage Rates](https://rateapi.dev/mortgage-rates/alabama/gadsden) [Hoover Mortgage Rates](https://rateapi.dev/mortgage-rates/alabama/hoover) [Sheffield Mortgage Rates](https://rateapi.dev/mortgage-rates/alabama/sheffield) [Dothan Mortgage Rates](https://rateapi.dev/mortgage-rates/alabama/dothan) ### Mortgage Rates in Nearby States [Florida](https://rateapi.dev/mortgage-rates/florida) [Georgia](https://rateapi.dev/mortgage-rates/georgia) [Mississippi](https://rateapi.dev/mortgage-rates/mississippi) [Tennessee](https://rateapi.dev/mortgage-rates/tennessee) ### Other Loan Products in Alabama [Alabama Credit Unions](https://rateapi.dev/credit-unions/alabama) [Alabama Mortgage Refinance Rates](https://rateapi.dev/refinance-rates/alabama) [Home Equity Line (HELOC) Rates in Alabama](https://rateapi.dev/heloc-rates/alabama) [Alabama Auto Loan Rates](https://rateapi.dev/auto-loan-rates/alabama) [Alabama Personal Loan Rates](https://rateapi.dev/personal-loan-rates/alabama) ### Mortgage Rate Tools & Data [National Mortgage Rate Benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Which Credit Union Has the Lowest Mortgage Rate?](https://rateapi.dev/lowest-rates/mortgage) [How We Collect & Rank Rates](https://rateapi.dev/methodology) [All Mortgage Rates](https://rateapi.dev/mortgage-rates) ## Frequently Asked Questions Common questions about mortgage rates in Alabama As of November 2026, 30-year fixed mortgage rates in Alabama range from 6.619% to 7.389% APR across credit unions. The median rate is 6.885% APR. What are the current mortgage rates in Alabama? To get the best mortgage rate in Alabama: 1) Compare rates from multiple credit unions (they often beat bank rates by 0.25-0.50%), 2) Improve your credit score above 740, 3) Consider paying points upfront for a lower rate, 4) Shop within a 14-day window to minimize credit score impact. How do I get the best mortgage rate in Alabama? Yes, credit unions in Alabama typically offer lower mortgage rates than traditional banks. Because credit unions are member-owned non-profits, they return savings to members through lower rates and fees. On a $400,000 mortgage, this can save $50,000-$100,000 over 30 years. Are credit union mortgage rates lower in Alabama? For the best mortgage rates in Alabama, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Each credit union has different requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Alabama? RateAPI updates credit union mortgage rates for Alabama daily by scraping lender websites directly. The rates on this page reflect the most recent collection, last refreshed in November 2026. How often are Alabama mortgage rates updated? Yes. RateAPI provides daily-updated Alabama mortgage rates through a REST API and MCP server, so fintech apps, comparison sites, and AI agents can query credit union rates programmatically. See the methodology page for how rates are collected and ranked. Can I get Alabama mortgage rate data through an API? ### Mortgage Rates by State [Alabama](https://rateapi.dev/mortgage-rates/alabama) [Alaska](https://rateapi.dev/mortgage-rates/alaska) [Arizona](https://rateapi.dev/mortgage-rates/arizona) [Arkansas](https://rateapi.dev/mortgage-rates/arkansas) [California](https://rateapi.dev/mortgage-rates/california) [Colorado](https://rateapi.dev/mortgage-rates/colorado) [Connecticut](https://rateapi.dev/mortgage-rates/connecticut) [Delaware](https://rateapi.dev/mortgage-rates/delaware) [Florida](https://rateapi.dev/mortgage-rates/florida) [Georgia](https://rateapi.dev/mortgage-rates/georgia) [Hawaii](https://rateapi.dev/mortgage-rates/hawaii) [Idaho](https://rateapi.dev/mortgage-rates/idaho) [Illinois](https://rateapi.dev/mortgage-rates/illinois) [Indiana](https://rateapi.dev/mortgage-rates/indiana) [Iowa](https://rateapi.dev/mortgage-rates/iowa) [Kansas](https://rateapi.dev/mortgage-rates/kansas) [Kentucky](https://rateapi.dev/mortgage-rates/kentucky) [Louisiana](https://rateapi.dev/mortgage-rates/louisiana) [Maine](https://rateapi.dev/mortgage-rates/maine) [Maryland](https://rateapi.dev/mortgage-rates/maryland) [Massachusetts](https://rateapi.dev/mortgage-rates/massachusetts) [Michigan](https://rateapi.dev/mortgage-rates/michigan) [Minnesota](https://rateapi.dev/mortgage-rates/minnesota) [Mississippi](https://rateapi.dev/mortgage-rates/mississippi) [Missouri](https://rateapi.dev/mortgage-rates/missouri) [Montana](https://rateapi.dev/mortgage-rates/montana) [Nebraska](https://rateapi.dev/mortgage-rates/nebraska) [Nevada](https://rateapi.dev/mortgage-rates/nevada) [New Hampshire](https://rateapi.dev/mortgage-rates/new-hampshire) [New Jersey](https://rateapi.dev/mortgage-rates/new-jersey) [New Mexico](https://rateapi.dev/mortgage-rates/new-mexico) [New York](https://rateapi.dev/mortgage-rates/new-york) [North Carolina](https://rateapi.dev/mortgage-rates/north-carolina) [North Dakota](https://rateapi.dev/mortgage-rates/north-dakota) [Ohio](https://rateapi.dev/mortgage-rates/ohio) [Oklahoma](https://rateapi.dev/mortgage-rates/oklahoma) [Oregon](https://rateapi.dev/mortgage-rates/oregon) [Pennsylvania](https://rateapi.dev/mortgage-rates/pennsylvania) [Rhode Island](https://rateapi.dev/mortgage-rates/rhode-island) [South Carolina](https://rateapi.dev/mortgage-rates/south-carolina) [South Dakota](https://rateapi.dev/mortgage-rates/south-dakota) [Tennessee](https://rateapi.dev/mortgage-rates/tennessee) [Texas](https://rateapi.dev/mortgage-rates/texas) [Utah](https://rateapi.dev/mortgage-rates/utah) [Vermont](https://rateapi.dev/mortgage-rates/vermont) [Virginia](https://rateapi.dev/mortgage-rates/virginia) [Washington](https://rateapi.dev/mortgage-rates/washington) [West Virginia](https://rateapi.dev/mortgage-rates/west-virginia) [Wisconsin](https://rateapi.dev/mortgage-rates/wisconsin) [Wyoming](https://rateapi.dev/mortgage-rates/wyoming) [District of Columbia](https://rateapi.dev/mortgage-rates/district-of-columbia) National context ## National mortgage rate context Zoom out from state-level data to the national picture and our cross-product benchmark. 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