Credit union · NCUA insured
Carolina Foothills Federal Credit Union Auto Loan Rates
Top CarrotCarolina Foothills Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Carolina Foothills Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Greenville, SC, where Carolina Foothills Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Carolina Foothills Federal Credit Union
4.74%APR
- Terms
- 49–60 months
- Up to
- —
New Autos
Lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
2nd-lowest rate
Greenville Heritage Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
Carolina Foothills Federal Credit Union auto loan score
82
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Carolina Foothills 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.
Auto Loan Refinance
Refinance existing auto loans. Promotional offer includes 60 days no interest and 90 days no payments (interest accrues during the 90-day period). Does not apply to vehicles currently financed through Carolina Foothills FCU. Rates start at 2.74% APR. Subject to credit qualification. Minimum share requirement of $5.
| Terms | APR | Conditions |
|---|---|---|
| — | 2.74% | Rates start at 2.74% APR for refinancing. Promotional terms include 60 days no interest and 90 days no payment (interest accrues during 90-day no payment period). Does not apply to vehicles currently financed with CFFCU. |
Sources (3)
- carolinafoothillsfcu.coop/cherokee-auto-loans
- carolinafoothillsfcu.coop/credit-union-auto-loan
- carolinafoothillsfcu.coop/auto-vehicle-loans-sp
All captured Oct 4, 2026
Clean Slate
Rates listed are best available based on approved credit; actual rate offered may be higher depending upon applicant credit rating and other underwriting factors. Subject to membership eligibility and a minimum share requirement of $5.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 17.99% | — |
Sources (1)
- carolinafoothillsfcu.coop/rates · captured Oct 4, 2026
New Autos
New vehicles are up to 5 years old and up to 30,000 miles. Rates listed are best available based on approved credit; actual rate offered may be higher depending upon applicant credit rating and other underwriting factors. Subject to membership eligibility and a minimum share requirement of $5.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | As low as rate based on approved credit. |
| 37–48 months | 4.49% | As low as rate based on approved credit. |
| 49–60 months | 4.74% | As low as rate based on approved credit. |
| 61–72 months | 4.99% | As low as rate based on approved credit. |
| 73+ months | 5.24% | As low as rate based on approved credit. |
Right Path - New
Program designed for first-time car buyers. New vehicles are up to 5 years old and up to 30,000 miles. Rates listed are best available based on approved credit; actual rate offered may be higher depending upon applicant credit rating and other underwriting factors. Subject to membership eligibility and a minimum share requirement of $5.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.99% | — |
Right Path - Used
Program designed for first-time car buyers. Used vehicles are less than 10 years old and between 30,001 and 99,999 miles. Rates listed are best available based on approved credit; actual rate offered may be higher depending upon applicant credit rating and other underwriting factors. Subject to membership eligibility and a minimum share requirement of $5.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.99% | — |
Used Autos
Used vehicles are less than 10 years old and between 30,001 and 99,999 miles. High-mileage vehicles are over 100,000 miles or over 10 years old. Rates listed are best available based on approved credit; actual rate offered may be higher depending upon applicant credit rating and other underwriting factors. Subject to membership eligibility and a minimum share requirement of $5.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | As low as rate based on approved credit. Used vehicles less than 10 years old and between 30,001 and 99,999 miles. |
| 37–48 months | 5.49% | As low as rate based on approved credit. Used vehicles less than 10 years old and between 30,001 and 99,999 miles. |
| 49–60 months | 5.74% | As low as rate based on approved credit. Used vehicles less than 10 years old and between 30,001 and 99,999 miles. |
| 61–72 months | 5.99% | As low as rate based on approved credit. Used vehicles less than 10 years old and between 30,001 and 99,999 miles. |
| 73+ months | 6.24% | As low as rate based on approved credit. Used vehicles less than 10 years old and between 30,001 and 99,999 miles. |
| up to 36 months | 6.24% | High Mileage Used Autos. High-mileage vehicles are over 100,000 miles or over 10 years old. As low as rate based on approved credit. |
| 37–48 months | 6.49% | High Mileage Used Autos. High-mileage vehicles are over 100,000 miles or over 10 years old. As low as rate based on approved credit. |
| 49–60 months | 6.74% | High Mileage Used Autos. High-mileage vehicles are over 100,000 miles or over 10 years old. As low as rate based on approved credit. |
| 61–72 months | 6.99% | High Mileage Used Autos. High-mileage vehicles are over 100,000 miles or over 10 years old. As low as rate based on approved credit. |
| 73+ months | 7.24% | High Mileage Used Autos. High-mileage vehicles are over 100,000 miles or over 10 years old. As low as rate based on approved credit. |
Who can join Carolina Foothills Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, volunteers, or attends school in Spartanburg, Greenville, Gaffney, or Mauldin.
- Membership is open to anyone who lives, works, worships, or attends school in Spartanburg County, Greenville County, or Cherokee County.
Employers and groups
- Membership is open to employees of Carolina Foothills Federal Credit Union.
- Membership is open to employees of any of the credit union's list of over 125 local partner companies.
- Membership is open to persons retired as pensioners or annuitants from eligible employment.
Family and household
- Membership is open to members of the immediate family or household of eligible employees or retirees.
3 more ways to join
Family and household
- Membership is open to anybody who is related to a current member.
- Membership is open to spouses of persons who died while within the credit union's field of membership.
Other ways
- Membership is open to organizations of eligible persons.
Cost to join
- Opening membership requires a minimum deposit of $5.00 into a Regular Share Account.
Membership information collected October 4, 2026.