Credit union · NCUA insured
Community South Credit Union Auto Loan Rates
Top CarrotCommunity South Credit Union auto loans start at 4.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 15, 2026.
How Community South Credit Union’s auto loan rates compare
Compared with banks and credit unions near Panama City, FL, where Community South Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community South Credit Union
4.50%APR
- Terms
- up to 84 months
New & Used Auto Loans
Lowest rate
Innovations Financial Credit Union
2.99%APR
- Terms
- —
2nd-lowest rate
Champions First Credit Union
3.99%APR
- Terms
- up to 60 months
Community South Credit Union auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community South 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.
Motorcycle Loans
Competitive rates, custom repayment options and terms based on purchase price, no hidden fees or costs. Rates as low as listed, based on creditworthiness, loan term, and collateral. Actual rate may vary. Contact Us to verify current rates.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.75% | Motorcycle APR as low as 5.75%. Call for Details. |
Sources (3)
- communitysouth.net/loan-applications
- communitysouth.net/products/vehicle-loans
- communitysouth.net/rates/loans
All captured Oct 5, 2026
New & Used Auto Loans
Rates as low as listed. Based on creditworthiness, loan term, and collateral. Actual rate may vary. Contact Us to verify current rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50% | New Vehicle APR as low as 4.50%. Call for Details. |
| up to 84 months | 5.50% | Used Vehicle APR as low as 5.50%. Call for Details. |
Sources (3)
- communitysouth.net/loan-applications
- communitysouth.net/products/vehicle-loans
- communitysouth.net/rates/loans
All captured Oct 5, 2026
Who can join Community South Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Washington, Holmes, Jackson, Calhoun, Walton, Bay, Okaloosa, Liberty, or Gadsden County is eligible for membership.
Employers and groups
- Employees and retirees of Community South Credit Union are eligible for membership.
Military, government and schools
- Employees and retirees of The Florida Department of Transportation District #3 and The State of Florida within the DOT District 3 are eligible for membership.
Family and household
- Relatives of employees and retirees of qualifying employee groups are eligible for membership.
- Relatives of individuals who live or work in the designated nine Florida counties are eligible for membership, even if not residing in the same household.
Other ways
- Associational groups of the members are eligible for membership.
Cost to join
- A $5 refundable share deposit is required to join.
Membership information collected October 5, 2026.