Credit union · NCUA insured
Citizens Choice Federal Credit Union Auto Loan Rates
Citizens Choice Federal Credit Union auto loans start at 6.00% APR for a new vehicle and 6.00% for a used one. Rates checked October 22, 2026.
How Citizens Choice Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Natchez, MS-LA, where Citizens Choice Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Citizens Choice Federal Credit Union
6.00%APR
- Terms
- 36–72 months
- Up to
- 18.00% APR
Auto Loans: New
2nd-lowest rate
One South Federal Credit Union
8.99%APR
- Terms
- —
- Up to
- —
Citizens Choice Federal Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew6.00%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Citizens Choice 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 Loans: New
All members with loans must keep a minimum balance of $25.00 in their share account. Citizens Choice Federal Credit Union must be listed as lien holder on all automobile loans. Loans are on a limited basis pending cash availability.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 6.00%–18.00% | Rates ranging from 6% to 18% based on credit score. Loan up to $65,000. |
Auto Loans: Used
All members with loans must keep a minimum balance of $25.00 in their share account. Citizens Choice Federal Credit Union must be listed as lien holder on all automobile loans. Loans are on a limited basis pending cash availability.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 6.00%–18.00% | Rates ranging from 6% to 18% based on credit score. Loan up to $50,000. |
Who can join Citizens Choice Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of AJFC Community Action Agency, Inc are eligible to join.
- Employees of MAPS – Mississippi Action for Progress, Inc are eligible to join.
- Employees of Merit Health – Natchez are eligible to join.
Military, government and schools
- Employees of Alcorn State University are eligible to join.
- Employees of the City of Natchez (including Police Department, Fire Department, City Hall, Public Works, Recreation Department, Senior Citizen Center, Natchez Transit, Natchez Housing Authority) are eligible to join.
- PERS employees/members are eligible to join.
1 more way to join
Military, government and schools
- Employees of Natchez Water Works are eligible to join.
Membership information collected October 4, 2026.