Credit union · NCUA insured
ECM FCU Auto Loan Rates
ECM FCU auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How ECM FCU’s auto loan rates compare
Compared with banks and credit unions near Jackson, MS, where ECM FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ECM FCU
5.49%APR
- Terms
- 37–60 months
- Up to
- —
New Auto
Lowest rate
Mississippi DHS FCU
3.49%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Veritas Federal Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
ECM FCU auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ECM 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 Auto
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.99% | Rate based on creditworthiness and term of loan. |
| 37–60 months | 5.49% | Rate based on creditworthiness and term of loan. |
| 61–72 months | 5.99% | Loan amount over $20,000. Rate based on creditworthiness and term of loan. |
| 73–84 months | 6.49% | Loan amount over $40,000. Rate based on creditworthiness and term of loan. |
Sources (1)
- ecmfcu.com/rates · captured Oct 4, 2026
Used Auto/ Motorcycle
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.99% | Rate based on creditworthiness and term of loan. |
| 37–60 months | 5.49% | Rate based on creditworthiness and term of loan. |
| 61–72 months | 5.99% | Loan amount over $20,000. Rate based on creditworthiness and term of loan. |
| 73–84 months | 6.49% | Loan amount over $40,000 & vehicle under 75,000 miles. Rate based on creditworthiness and term of loan. |
Sources (1)
- ecmfcu.com/rates · captured Oct 4, 2026
Who can join ECM FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Membership is open to the immediate family of current members.
Membership information collected October 4, 2026.