Personal Loan Rates in Birmingham, AL
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View the above table to see our competitive credit union personal loan rates.
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Walk into a branch or click below to fill out a personal loan application.
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“I’ve been a member for over 25 years and I haven’t found any reason to leave. Friendly staff and outstanding service. I’ve always been treated fairly and they are a big part of my banking needs. Keep up the good work. Btw, I was a member when you were University CU!!”
– John F., Trussville, Alabama
FAQs About Personal Loan Rates
Credit union personal loan rates are often more competitive than traditional banks. The better rates are due to the not-for-profit status of a credit union.
APR stands for Annual Percentage Rate. It’s a comprehensive measure that includes both the interest rate and any additional fees or charges. While the interest rate is what you pay to borrow the principal amount, the APR provides a more complete picture of how much the loan will cost you in total per year.
We keep our fees simple and straightforward. You’ll always know what you need to pay, helping you avoid any additional charges.
There are a few things you can do to improve your chances of getting a lower rate, including:
- Improving your credit score
- Borrowing less money
- Choosing a shorter loan term
- Choosing a secured loan
The benefits of a fixed-rate personal loan include:
- You know exactly how much you will pay each month.
- You can budget more easily.
- You are less likely to be surprised by changes in your monthly payment.
More Home Loan Options
Enjoy low APR and exclusive perks tailored to your lifestyle with our selection of credit cards.
Turn dreams into reality and unlock the value of your home with our home equity options.