Credit union · NCUA insured
AllSouth Federal Credit Union Auto Loan Rates
AllSouth Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How AllSouth Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Columbia, SC, where AllSouth Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AllSouth Federal Credit Union
4.74%APR
- Terms
- up to 63 months
- Up to
- —
New or Used Auto Loans
Lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
AllSouth Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AllSouth 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 or Used Auto Loans
Membership required (Membership Savings account). Minimum loan amount is $5,000. 100% financing options available. Rates and terms determined by creditworthiness, loan term, and loan-to-value (LTV). Lowest rates assume excellent credit history, 2024 model vehicle or newer (or 2020+ for 84 months), and LTV < 80%. Up to 90 days no payment option available (interest accrues). Internal refinances of existing AllSouth auto loans are not permitted.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 4.74% | Rates as low as 4.74% APR for terms up to 63 months. Minimum loan amount $5,000. Based on creditworthiness, term, and LTV < 80% on 2024 model vehicle or newer. |
| 64–75 months | 4.84% | Rates as low as 4.84% APR for terms 64 to 75 months. Minimum loan amount $5,000. Based on creditworthiness, term, and LTV < 80% on 2024 model vehicle or newer. |
| 76–84 months | 5.14% | Rates as low as 5.14% APR for terms 76 to 84 months. Minimum loan amount $5,000. Term based on 2020 model vehicle or newer, creditworthiness, and LTV < 80%. |
Sources (6)
- allsouth.org
- allsouth.org/loans
- allsouth.org/loans/auto
- allsouth.org/loans/auto/refinance
- allsouth.org/loans/personal
- allsouth.org/rates
All captured Oct 7, 2026
Who can join AllSouth Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can qualify for membership through AllSouth's partnerships with the Financial Fitness Association, the Carolina's Credit Union Foundation, or the American Consumer Council, with AllSouth completing enrollment and paying the first year membership fee.
Where you live or work
- Individuals can qualify for membership based on where they live.
Employers and groups
- Employees of Select Employer Group partner organizations are eligible for membership.
Family and household
- Immediate family members of existing members are eligible to join.
Membership information collected October 4, 2026.