Credit union · NCUA insured
1st Mississippi Federal Credit Union Auto Loan Rates
1st Mississippi Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How 1st Mississippi Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Meridian, MS, where 1st Mississippi Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1st Mississippi Federal Credit Union
4.75%APR
- Terms
- 49–60 months
- Up to
- —
New Vehicles
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
2nd-lowest rate
Singing River Federal Credit Union
4.74%APR
- Terms
- 49–60 months
- Up to
- 15.99% APR
1st Mississippi Federal Credit Union auto loan score
82
Auto loan score
Higher than 59% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Mississippi Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicles
Up to 125% financing plus tax, title and extended warranty. Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history. 1st MS holds security interest until loan is paid. Normal terms apply to repossessed collateral.
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 3.75% | — |
| 49–60 months | 4.75% | — |
| 61–72 months | 5.25% | — |
| 73–84 months | 5.75% | $35,000 minimum loan amount required for 73-84 months term. |
Sources (1)
- 1stms.com/Rates · captured Oct 7, 2026
Used Vehicles
Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history. 1st MS holds security interest until loan is paid. Normal terms apply to repossessed collateral.
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 4.75% | — |
| 49–60 months | 5.75% | — |
| 61–72 months | 6.25% | — |
| 73–84 months | 6.75% | Current Year < 10,000 miles and $35,000 minimum loan amount required for 73-84 months term. |
Sources (1)
- 1stms.com/Rates · captured Oct 7, 2026
Who can join 1st Mississippi Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.