North Alabama Educators Credit Union

Huntsville, Alabama
Last verified: August 3, 2026
Work at North Alabama Educators Credit Union? Claim this profile →

Verified rate book

Current North Alabama Educators Credit Union rates

42 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

4 offers
North Alabama Educators Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
15-Year Fixed15 year fixed5.350% APR5.350%—Standard
20-Year Fixed20 year fixed5.750% APR5.750%—Standard
Fixed Rate Easy Equityother5.350% APR5.350%—Standard
Fixed Rate Land Loanother7.350% APR7.350%—Standard

Auto & vehicle rates

7 offers
North Alabama Educators Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
New or Used Vehicle 2022 or newerauto_any_36mo4.500% APR4.500%36 mo · anyStandard
66-Month Used Auto Loan (2014 and Newer)auto_used_66mo4.750% APR4.750%66 mo · usedStandard
66-Month New Auto Loanauto_new_66mo4.750% APR4.750%66 mo · newStandard
Used Vehicles with over 150,000 Miles – 2014 or Newerauto_used_60mo4.750% APR4.750%60 mo · usedStandard
Auto Loan, Refinanceauto5.750% APR5.750%—Standard
New or Used Motorcycles: 2015 or Newermotorcycle_any_48mo6.100% APR6.100%48 mo · anyStandard
New or Used Boat, Motor, Trailer: 2015 or Newerboat_any_72mo6.100% APR6.100%72 mo · anyStandard

Personal loan rates

6 offers
North Alabama Educators Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Home Improvement Loanpersonal_unsecured_60mo7.000% APR7.000%60 moStandard
Consumer Loans (Mowers, Furniture, Computers, Appliances, etc.)personal_unsecured_60mo7.600% APR7.600%60 moStandard
60-Month Debt Consolidation Loanpersonal_unsecured_60mo8.990% APR8.990%60 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo10.000% APR10.000%60 moStandard
EZ Open-End Personal Loanpersonal_unsecured15.000% APR15.000%—Standard
Overdraft Line of Creditpersonal15.000% APR15.000%—Standard

Savings & CD rates

23 offers
North Alabama Educators Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Club Accountsavings0.25% APY0.25%—Standard
Savingsshare_savings0.25% APY0.25%—Standard
Round Up Accounts (Debit Card Transactions)savings0.25% APY0.25%—Standard
IRAira0.50% APY0.50%—Standard
Christmas Club Accountsavings0.65% APY0.65%—Standard
Super Shares Accountsavings1.26% APY1.25%—Standard
Super Shares Accountsavings1.41% APY1.40%—Standard
Super Shares Accountsavings1.66% APY1.65%—Standard
Round Up Accounts (Debit Card Transactions)savings2.25% APY2.25%—Standard
9-Month Certificateshare_certificate_9mo2.47% APY2.45%9 moStandard
18-Month Certificateshare_certificate_18mo2.68% APY2.65%18 moStandard
24-Month Certificateshare_certificate_24mo2.73% APY2.70%24 moStandard
18-Month IRA Certificateira_cd_18mo2.78% APY2.75%18 moStandard
27-Month Certificateshare_certificate_27mo2.78% APY2.75%27 moStandard
12-Month Certificateshare_certificate_12mo2.78% APY2.75%12 moStandard
36-Month Certificateshare_certificate_36mo2.83% APY2.80%36 moStandard
36-Month IRA Certificateira_cd_36mo2.88% APY2.85%36 moStandard
48-Month IRA Certificateira_cd_48mo2.93% APY2.90%48 moStandard
60-Month IRA Certificateira_cd_60mo3.03% APY3.00%60 moStandard
24-Month IRA Certificateira_cd_24mo3.24% APY3.20%24 moStandard
6-Month Certificateshare_certificate_6mo3.44% APY3.40%6 moStandard
11-Month Certificateshare_certificate_11mo3.80% APY3.75%11 moStandard
13-Month Certificateshare_certificate_13mo3.91% APY3.85%13 moStandard

Other rates

2 offers
North Alabama Educators Credit Union other rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Family Flex Loanother17.000% %17.000%—Standard
Fresh Start Loanother18.000% %18.000%—Standard

As of August 3, 2026, North Alabama Educators Credit Union offers a 15-year fixed mortgage at 5.35% APR. Vehicle loans available from 4.5% APR for 36 months. Personal loan rates from 7% APR. Savings and certificate yields up to 3.91% APY.

Source: RateAPI.dev, verified from North Alabama Educators Credit Union's official website

Loading branch locator…

About North Alabama Educators Credit Union

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

Members
10.9K
Assets
$142.7M
Founded
1957
Locations reported
6
NCUA charter
60500
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 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.

AvadianSouth Parkway · Huntsville · AL · 35801-5314Branch in the same ZIPRedstoneSouth Parkway Branch · Huntsville · AL · 35801Branch in the same ZIPAlabamaSouth Huntsville Branch · Huntsville · AL · 35802-1315About 3.4 miles awayRocket CityRocket City Federal Credit Union · Huntsville · AL · 35805-3000About 3.4 miles awayCommunityamericaHuntsville · Huntsville · AL · 35810-6045About 5.8 miles awayFamily SavingsBentley Bypass · Huntsville · AL · 35810-1217About 5.8 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 North Alabama Educators Credit Union

Membership eligibility from North Alabama Educators Credit Union's own published criteria. How we verify this.

Membership via employers (Athens State University +4 more)

  • LocationMadison, Limestone
  • EmployerAthens State University, Calhoun Community College, Huntsville City Board of Education, Limestone County Board of Education, Madison County Board of Education

Cost to join: About $5.

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

Work at North Alabama Educators 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 North Alabama Educators Credit Union ranks against Alabama peers.

Claim this profileHow scorecards work

Frequently Asked Questions

What rates does North Alabama Educators Credit Union offer?

North Alabama Educators Credit Union currently offers mortgage, vehicle loan, and personal loan rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are North Alabama Educators Credit Union rates updated?

RateAPI verifies North Alabama Educators Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get North Alabama Educators Credit Union's rate data?

Rate data is collected directly from North Alabama Educators 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 North Alabama Educators Credit Union's mortgage rate?

As of August 3, 2026, North Alabama Educators Credit Union offers a 15-year fixed mortgage at 5.35% APR.

What are North Alabama Educators Credit Union's auto, boat & motorcycle loan rates?

As of August 3, 2026, North Alabama Educators Credit Union offers vehicle loans from 4.5% APR.

What is North Alabama Educators Credit Union's personal loan rate?

As of August 3, 2026, North Alabama Educators Credit Union offers personal loans from 7% APR.

What is North Alabama Educators Credit Union's best CD rate?

As of August 3, 2026, North Alabama Educators Credit Union offers savings and certificate (CD) yields up to 3.91% APY.

Related Rate Data

Compare North Alabama Educators Credit Union's rates against national credit-union benchmarks.

More Alabama credit unionsMortgage rate benchmarkAuto loan rate benchmarkPersonal 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.

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 North Alabama Educators 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 North Alabama Educators Credit Union
curl "https://api.rateapi.dev/credit-unions/alabama/north-alabama-educators" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude