Alatrust Credit Union

Hoover, Alabama
Last verified: August 4, 2026
Work at Alatrust Credit Union? Claim this profile →

Verified rate book

Current Alatrust Credit Union rates

49 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

16 offers
Alatrust Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.625% APR6.625%—Standard
15-Year Fixed15 year fixed5.750% APR5.750%—Standard
10-Year Fixed10 year fixed5.500% APR5.500%—Standard
Variable Rate Loans 5/1 ARM 2 (15 Years)5 1 arm6.000% APR6.000%—Standard
Variable Rate Loans 5/1 ARM 2 (20 Years)5 1 arm6.125% APR6.125%—Standard
20-Year Fixed20 year fixed6.250% APR6.250%—Standard
Variable Rate Loans 10/1 ARM 2 (20 Years)10 1 arm6.375% APR6.375%—Standard
Variable Rate Loans 5/1 ARM 2 (30 Years)5 1 arm6.375% APR6.375%—Standard
Variable Rate Loans 10/1 ARM 2 (30 Years)10 1 arm6.625% APR6.625%—Standard
10 Year Fixed- Lot & Block10 year fixed7.500% APR7.500%—Standard
20 Year ARM- Lot & Blockarm7.500% APR7.500%—Standard
10 Year Fixed - Metes & Bounds10 year fixed8.500% APR8.500%—Standard
20 Year ARM- Metes & Boundsarm8.500% APR8.500%—Standard
Home Loanother5.500% APR5.500%—Standard
Construction Phaseother7.250% APR7.250%—Standard
Land Onlyother7.500% APR7.500%—Standard

Auto & vehicle rates

15 offers
Alatrust Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New Vehicle Loans (2025-2027) - New Purchase Rate Onlyauto_new_36mo4.750% APR4.750%36 mo · newStandard
New Auto Loan (2025–2027)auto_new4.750% APR4.750%newStandard
New Vehicle Loans (2025-2027) - New Purchase Rate Onlyauto_new_61mo4.950% APR4.950%61 mo · newStandard
Used Auto Loan (2017–2024)auto_used4.990% APR4.990%usedStandard
Used Vehicle Loans (2017-2024) - New Purchase Rate Onlyauto_any_36mo4.990% APR4.990%36 mo · anyStandard
Used Vehicle Loans (2017-2024) - New Purchase Rate Onlyauto_any_61mo5.250% APR5.250%61 mo · anyStandard
New Vehicle Loans (2025-2027) - New Purchase Rate Onlyauto_new5.450% APR5.450%newStandard
Used Vehicle Loans (2017-2024) - New Purchase Rate Onlyauto_any5.750% APR5.750%anyStandard
Used Vehicle Loans (2016 & Older) - New Purchase Rate Onlyauto_any_36mo6.500% APR6.500%36 mo · anyStandard
Used Auto Loan (2016 and Older)auto_used6.500% APR6.500%usedStandard
Boats, RV's & Motorcycles (New)boat_new_61mo6.750% APR6.750%61 mo · newStandard
Used Vehicle Loans (2016 & Older) - New Purchase Rate Onlyauto_any6.750% APR6.750%anyStandard
Boats, RV's & Motorcycles (New ($20,000+))boat_new_73mo6.850% APR6.850%73 mo · newStandard
Boats, RV's & Motorcycles (Used)boat_used_61mo7.150% APR7.150%61 mo · usedStandard
Boats, RV's & Motorcycles (Used)boat_used_73mo7.400% APR7.400%73 mo · usedStandard

HELOC rates

2 offers
Alatrust Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable6.750% APR6.750%—Standard
Quick Close Line of Crediheloc7.750% APR7.750%—Standard

Personal loan rates

11 offers
Alatrust Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
180-Month Personal Line of Creditploc_variable6.750% APR6.750%180 moStandard
Other Secured Loans - Newpersonal_secured6.850% APR6.850%—Standard
Other Secured Loans - Usedpersonal_secured6.950% APR6.950%—Standard
Quick Close Line of Creditploc_variable7.750% APR7.750%—Standard
Personal Loans - Single Paymentpersonal_unsecured12.000% APR12.000%—Standard
Single Paymentpersonal_unsecured_6mo12.000% APR12.000%6 moStandard
Personal Loans - Closed Endpersonal_unsecured12.950% APR12.950%—Standard
Closed Endpersonal_unsecured_12mo12.950% APR12.950%12 moStandard
Closed Endpersonal_unsecured_36mo13.950% APR13.950%36 moStandard
Closed Endpersonal_unsecured_60mo14.950% APR14.950%60 moStandard
24-Month Personal Line of Creditploc_variable18.000% APR18.000%24 moStandard

Credit card rates

2 offers
Alatrust Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
VISA Classiccredit_card4.990% APR4.990%—Standard
VISA Platinumcredit_card_platinum4.990% APR4.990%—Standard

Savings & CD rates

1 offer
Alatrust Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
12-Month Certificatecd_12mo3.75% APY3.75%12 moStandard

Other rates

2 offers
Alatrust Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New ($10,000+)other7.150% %7.150%—Standard
Used ($10,000+)other7.450% %7.450%—Standard

As of August 4, 2026, Alatrust Credit Union offers a 30-year fixed mortgage at 6.625% APR. Vehicle loans available from 4.75% APR for 36 months. HELOC rates from 6.75% APR. Personal loan rates from 6.75% APR. Credit card rates from 4.99% APR. Savings and certificate yields up to 3.75% APY.

Source: RateAPI.dev, verified from Alatrust Credit Union's official website

Loading branch locator…

About Alatrust Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
13.4K
Assets
$219.5M
Founded
1935
Locations reported
6
NCUA charter
60934
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
  • Financial education
  • First-time homebuyer program

Source: NCUA quarterly call report. 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.

AlabamaValleydale · Hoover · AL · 35244Branch in the same ZIPAvadianCorporate · Hoover · AL · 35244-2008Branch in the same ZIPLegacy CommunityCHACE LAKE · Hoover · AL · 35244-1825Branch in the same ZIPMutual SavingsValleydale · Hoover · AL · 35244-2006Branch in the same ZIPSouthern EnergyHoover · Hoover · AL · 35244-3700Branch in the same ZIPAmerica's FirstHoover Branch · Hoover · AL · 35226-3337About 3.3 miles away

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 Alatrust Credit Union

Membership eligibility from Alatrust Credit Union's own published criteria. How we verify this.

Membership criteria are published on Alatrust Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Alatrust Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Alatrust 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 Alatrust Credit Union ranks against Alabama peers.

Claim this profileHow scorecards work

Frequently Asked Questions

What rates does Alatrust Credit Union offer?

Alatrust Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Alatrust Credit Union rates updated?

RateAPI verifies Alatrust Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Alatrust Credit Union's rate data?

Rate data is collected directly from Alatrust Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Alatrust Credit Union's mortgage rate?

As of August 4, 2026, Alatrust Credit Union offers a 30-year fixed mortgage at 6.625% APR.

What are Alatrust Credit Union's auto & boat loan rates?

As of August 4, 2026, Alatrust Credit Union offers vehicle loans from 4.75% APR.

What is Alatrust Credit Union's HELOC rate?

As of August 4, 2026, Alatrust Credit Union offers home equity lines of credit from 6.75% APR.

What is Alatrust Credit Union's personal loan rate?

As of August 4, 2026, Alatrust Credit Union offers personal loans from 6.75% APR.

What is Alatrust Credit Union's best CD rate?

As of August 4, 2026, Alatrust Credit Union offers savings and certificate (CD) yields up to 3.75% APY.

Related Rate Data

Compare Alatrust Credit Union's rates against national credit-union benchmarks.

More Alabama credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Alatrust Credit Union rates

Get a free API key to query these rates programmatically, or get the daily email when Alabama credit union rates move.

Daily rate email

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Alatrust Credit Union
curl "https://api.rateapi.dev/credit-unions/alabama/alatrust" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude