Credit union · NCUA insured
AMPOT FCU Auto Loan Rates
AMPOT FCU auto loans start at 4.50% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How AMPOT FCU’s auto loan rates compare
Compared with banks and credit unions in Mississippi, where AMPOT FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AMPOT FCU
4.50%APR
- Terms
- up to 72 months
- Up to
- 6.00% APR
New Collateral
Lowest rate
Mississippi DHS FCU
3.49%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Triangle Federal Credit Union
4.00%APR
- Terms
- up to 84 months
- Up to
- 18.00% APR
AMPOT FCU auto loan score
87
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AMPOT FCU 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 Collateral
Financed by percentages of invoice based on credit score. Demos with less than 8,000 miles considered new. Max debt to income ratio 45-55% at manager's discretion. Preferred discount -2% for credit scores above 715 and debt ratio less than 35% (floor limit 4.5%). Copy of current, unexpired driver's license required.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.50%–6.00% | Tiers: Preferred through B (Credit Score 640+; Preferred 715+, A 680-714, B 640-679). Financing: 100% of invoice. |
| up to 60 months | 10.00% | Tier: C (Credit Score 600-639). Financing: 95% of invoice. |
| up to 60 months | 12.00% | Tier: D (Credit Score 550-599). Financing: 90% of invoice. |
| up to 60 months | 16.00% | Tier: E (Credit Score Under 549). Financing: 85% of invoice. |
Sources (1)
- ampotfcu.org/rates-fees · captured Oct 15, 2026
Used Collateral
Financed by percentages on NADA Clean Retail based on credit score. Max debt to income ratio 45-55% at manager's discretion. Preferred discount -2% for credit scores above 715 and debt ratio less than 35% (floor limit 4.5%). Copy of current, unexpired driver's license required.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.00%–8.00% | Tiers: Preferred through B (Credit Score 640+; Preferred 715+, A 680-714, B 640-679). Financing: 100% of NADA Clean Retail. |
| up to 60 months | 12.00% | Tier: C (Credit Score 600-639). Financing: 95% of NADA Clean Retail. |
| up to 60 months | 15.00% | Tier: D (Credit Score 550-599). Financing: 90% of NADA Clean Retail. |
| up to 60 months | 18.00% | Tier: E (Credit Score Under 549). Financing: 85% of NADA Clean Retail. |
Sources (1)
- ampotfcu.org/rates-fees · captured Oct 15, 2026
Who can join AMPOT FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to all residents of Monroe County, MS.
Membership information collected October 4, 2026.