Auto Loans

Ready for your next ride? Fort McClellan Credit Union offers auto loans with competitive rates, flexible options, and local service you can count on. We are ready to help with new and used purchases to refinancing your existing auto loan — be sure to ask us about 1% cash back option on refinanced loans. Apply today and see how easy auto financing can be with Fort McClellan Credit Union.

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New and Used Auto Loans
Ask us about 1% cash back on Refinanced Auto Loans

Rates

Auto Loans

Effective as of: September 25, 2026

Terms	Loan Type	*APR
36 Months	New (2025 or Newer)	as low as 5.00
48 Months	New (2025 or Newer)	as low as 5.00
60 Months	New (2025 or Newer) $10,000 or more to Finance	as low as 5.35
72 Months	New (2025 or Newer) $20,000 or more to Finance	as low as 5.60
84 Months	New (2025 or Newer) $30,000 or more to Finance	as low as 7.50

Terms	Loan Type	*APR
36 Months	Used	as low as 5.50
48 Months	Used	as low as 5.50
60 Months	Used $10,000 or more to Finance	as low as 5.85
72 Months	Used $20,000 or more to Finance	as low as 6.60
84 Months	Used $40,000 or more to Finance	as low as 8.50

*APR = Annual Percentage Rate. Rates are based on creditworthiness and other factors.

Recreational (Motorcycles, Boats, & RV's)

Terms	Loan Type	*APR
48 Months	New (Never Titled)	as low as 7.50
60 Months	New (Never Titled) $10,000 or more to Finance	as low as 8.00
72 Months	New (Never Titled) $20,000 or more to Finance	as low as 8.25
84 Months	New (Never Titled) $30,000 or more to Finance	as low as 9.00
120 Months	New (Never Titled) $40,000 or more to Finance	as low as 11.00

Terms	Loan Type	*APR
48 Months	Used	as low as 7.75
60 Months	Used $10,000 or more to Finance	as low as 8.25
72 Months	Used $20,000 or more to Finance	as low as 8.50
84 Months	Used $30,000 or more to Finance	as low as 9.25
120 Months	Used $40,000 or more to Finance	as low as 11.25

*APR = Annual Percentage Rate. Rates are based on creditworthiness.
Rate is based on year and model of collateral.

Other Secured Loans (UTV, ATV, Farm & Garden)

Terms	Loan Type	*APR
48 Months	New (Never Titled)	as low as 8.75
60 Months	New (Never Titled) $10,000 or more to Finance	as low as 9.00
72 Months	New (Never Titled) $20,000 or more to Finance	as low as 9.25
84 Months	New (Never Titled) $30,000 or more to Finance	as low as 10.00

Terms	Loan Type	*APR
48 Months	Used	as low as 9.00
60 Months	Used $10,000 or more to Finance	as low as 9.25
72 Months	Used $20,000 or more to Finance	as low as 9.50
84 Months	Used $30,000 or more to Finance	as low as 10.25

*APR = Annual Percentage Rate. Rates are based on creditworthiness.
Rate is based on year and model of collateral.

Got Questions?

We are happy to help. Give us a call at (256) 237-2113 or drop-in at any of our branch locations.

*The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please inquire on your qualifying rate. The rate may vary depending on each individual’s credit history and underwriting factors.

Other secured loans include motorcycles, tractors, UTVs, ATVs
LTV based on NADA retail for used or MSRP for new vehicles
Rates subject to change. Call the Credit Union for the most current rates

Auto Loans

Rates

Auto Loans

Recreational (Motorcycles, Boats, & RV's)

Other Secured Loans (UTV, ATV, Farm & Garden)

Got Questions?

Contact US

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