Credit union · NCUA insured
Edisto Federal Credit Union Auto Loan Rates
Edisto Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How Edisto Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Orangeburg, SC, where Edisto Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Edisto Federal Credit Union
5.25%APR
- Terms
- —
- Up to
- 13.00% APR
New Auto Loans
Lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
2nd-lowest rate
CPM Federal Credit Union
4.49%APR
- Terms
- 37–60 months
- Up to
- —
Edisto Federal Credit Union auto loan score
87
Auto loan score
Higher than 78% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Edisto 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.
New Auto Loans
Financing up to 90%. Rate match guarantee on rates from dealers or other financial institutions.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.25%–13.00% | 90% financing. Maximum loan amount $50,000. Rate match guarantee for rates received from a dealer or other financial institution. |
Sources (1)
- edistofederalcu.org/loans · captured Oct 7, 2026
Used Auto Loans
Financing based on NADA Trade-in Value. Rate match guarantee on rates from dealers or other financial institutions.
| Terms | APR | Conditions |
|---|---|---|
| 61+ months | 4.50%–14.95% | Term more than 60 months. Financing based on NADA Trade-in Value. Maximum loan amount $30,000. |
| up to 60 months | 6.50%–12.50% | Term 60 months or less. Financing based on NADA Trade-in Value. Maximum loan amount $30,000. |
Sources (1)
- edistofederalcu.org/loans · captured Oct 7, 2026
Who can join Edisto Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees or members of Allendale County Public School System are eligible for membership.
- Employees or members of Calhoun County Public School District are eligible for membership.
- Employees of Claflin University are eligible for membership.
- Employees or members of Denmark Technical College are eligible for membership.
- Employees or members of Orangeburg County Consolidated School Districts 3, 4 and 5 are eligible for membership.
- Employees or members of South Carolina State University are eligible for membership.
2 more ways to join
Military, government and schools
- Employees or members of Voorhees College are eligible for membership.
Family and household
- Family members including mother, father, sister, brother, adopted or foster child, as well as permanent members of the household are eligible for membership.
Membership information collected October 4, 2026.