New Horizons Credit Union

Mobile, Alabama
Last verified: August 4, 2026
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Verified rate book

Current New Horizons Credit Union rates

57 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

3 offers
New Horizons Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
15-yr. Fixed Rate HE15 year fixed7.780% APR7.780%—Standard
10-yr. Fixed Rate HE10 year fixed7.280% APR7.280%—Standard
5-year Fixed HEother6.780% APR6.780%—Standard

Auto & vehicle rates

16 offers
New Horizons Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)auto_new_36mo3.490% APR3.490%36 mo · newStandard
New Eco-Friendly Autosauto_new_36mo3.490% APR3.490%36 mo · newStandard
New Autos (2026, 2025 w/less than 15,000 miles)auto_new_36mo3.990% APR3.990%36 mo · newStandard
New Auto Loanauto_new3.990% APR3.990%newStandard
36-Month Used Auto Loan (2020–2024)auto_used_36mo3.990% APR3.990%36 mo · usedStandard
New Boat Loanboat_new5.490% APR5.490%newStandard
New/Used Boatboat_any_66mo5.490% APR5.490%66 mo · anyStandard
New/Usedauto_any_66mo5.490% APR5.490%66 mo · anyStandard
New/Used RVrv_any_66mo5.750% APR5.750%66 mo · anyStandard
36-Month Used Auto Loan (2015–2019)auto_used_36mo5.990% APR5.990%36 mo · usedStandard
New/Used Motorcyclemotorcycle_any_48mo6.250% APR6.250%48 mo · anyStandard
New/Used ATVs, Dirt Bikes & Golf Cartspowersports_any_36mo6.490% APR6.490%36 mo · anyStandard
36-Month Used Auto Loan (2014 and Older)auto_used_36mo7.250% APR7.250%36 mo · usedStandard
36-Month Used Auto Loanauto_used_36mo7.250% APR7.250%36 mo · usedStandard
New Autos (2026, 2025 w/less than 15,000) $65,000 minimum; No 90-day option; Max LTV 110% financingauto_new_96mo7.490% APR7.490%96 mo · newStandard
Classic Auto^^ ^^(Conditions & Restrictions may apply.)auto_any_24mo8.990% APR8.990%24 moStandard

HELOC rates

1 offer
New Horizons Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loan (Fixed)heloc_fixed6.960% APR6.960%—Standard

Personal loan rates

3 offers
New Horizons Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Secured Personal Loanpersonal_secured4.000% APR4.000%—Standard
Unsecured Personal Loanpersonal_unsecured9.490% APR9.490%—Standard
Personal/Signature Loanpersonal_unsecured_36mo9.490% APR9.490%36 moStandard

Savings & CD rates

32 offers
New Horizons Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Money Marketmoney_market0.10% APY0.10%—Standard
3-Month Certificatecd_3mo0.10% APY0.10%3 moStandard
Christmas Accountsavings0.10% APY0.10%—Standard
3 Months Dividendcd_3mo0.10% APY0.10%3 moStandard
$2,500 - $9,999savings0.10% APY0.10%—Standard
IRAira0.20% APY0.20%—Standard
$10,000 - $24,999savings0.20% APY0.20%—Standard
Money Marketmoney_market0.20% APY0.20%—Standard
$25,000 - $49,999savings0.30% APY0.30%—Standard
Money Marketmoney_market0.30% APY0.30%—Standard
$50,000 - $99,999savings0.40% APY0.40%—Standard
Money Marketmoney_market0.40% APY0.40%—Standard
$100,000 And Upsavings0.45% APY0.45%—Standard
Money Marketmoney_market0.45% APY0.45%—Standard
3 Months Dividendcd_36mo2.47% APY2.47%36 moStandard
36 Month Jumbocd_36mo2.47% APY2.47%36 moStandard
36 Month Jumbocd_36mo2.50% APY2.50%36 moStandard
Jumbo Certificate Accountcd_36mo2.50% APY2.47%36 moStandard
36-Month IRA Certificateira_cd_36mo2.50% APY2.47%36 moStandard
24 Month Jumbocd_24mo2.72% APY2.72%24 moStandard
3 Months Dividendcd_24mo2.72% APY2.72%24 moStandard
Jumbo Certificate Accountcd_24mo2.75% APY2.72%24 moStandard
24 Month Jumbocd_24mo2.75% APY2.75%24 moStandard
24-Month IRA Certificateira_cd_24mo2.75% APY2.72%24 moStandard
$.01 - $10,000savings3.25% APY3.25%—Standard
3 Months Dividendcd_12mo3.73% APY3.73%12 moStandard
12 Month Jumbocd_12mo3.73% APY3.73%12 moStandard
12-Month IRA Certificateira_cd_12mo3.80% APY3.73%12 moStandard
Jumbo Certificate Accountcd_12mo3.80% APY3.73%12 moStandard
12 Month Jumbocd_12mo3.80% APY3.80%12 moStandard
6-Month Certificatecd_6mo4.00% APY3.93%6 moStandard
180 Dayssavings4.00% APY4.00%—Standard

Equipment loan rates

1 offer
New Horizons Credit Union equipment loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New/Used Farm Equipmentequipment_66mo6.990% APR6.990%—Standard

Other rates

1 offer
New Horizons Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New/Usedother6.990% %6.990%—Standard

As of August 4, 2026, New Horizons Credit Union offers a 15-year fixed mortgage at 7.78% APR. Vehicle loans available from 3.49% APR for 36 months. HELOC rates from 6.96% APR. Personal loan rates from 4% APR. Savings and certificate yields up to 4.00% APY. Equipment loans from 6.99% APR.

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

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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. 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.

Alabama CentralMobile · Mobile · AL · 36609-5401Branch in the same ZIPAll inMobile Downtowner · Mobile · AL · 36609Branch in the same ZIPAmerica's FirstMobile Branch · Mobile · AL · 36609-1707Branch in the same ZIPAvadianMobile · Mobile · AL · 36609Branch in the same ZIPAzalea CityAzalea City Credit Union · MOBILE · AL · 36609Branch in the same ZIPGulf CoastBranch-4313 Downtowner · Mobile · AL · 36609Branch in the same ZIP

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.

Community charter: live/work in Mobile, Baldwin, Washington +5 more, AL, FL

  • LocationMobile, Baldwin, Washington, Clarke, Monroe, Escambia, Santa Rosa, Okaloosa — AL, FL
  • Employermember company

Cost to join: About $5.

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

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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 August 4, 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 August 4, 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.

What is New Horizons Credit Union's mortgage rate?

As of August 4, 2026, New Horizons Credit Union offers a 15-year fixed mortgage at 7.78% APR.

What are New Horizons Credit Union's auto, rv, boat, motorcycle & powersports loan rates?

As of August 4, 2026, New Horizons Credit Union offers vehicle loans from 3.49% APR.

What is New Horizons Credit Union's HELOC rate?

As of August 4, 2026, New Horizons Credit Union offers home equity lines of credit from 6.96% APR.

What is New Horizons Credit Union's personal loan rate?

As of August 4, 2026, New Horizons Credit Union offers personal loans from 4% APR.

What is New Horizons Credit Union's best CD rate?

As of August 4, 2026, New Horizons Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

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

More Alabama credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan 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.

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Methodology

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

View Methodology

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