Credit union · NCUA insured
Family Security Credit Union Auto Loan Rates
Family Security Credit Union auto loans start at 5.34% APR for a new vehicle and 5.34% for a used one. Rates checked October 22, 2026.
How Family Security Credit Union’s auto loan rates compare
Compared with banks and credit unions near Decatur, AL, where Family Security Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Family Security Credit Union
5.34%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loans
Lowest rate
Nucor Employee's Credit Union
4.49%APR
- Terms
- —
- Up to
- 5.49% APR
2nd-lowest rate
Redstone Federal Credit Union
5.00%APR
- Terms
- 1–60 months
- Up to
- —
Family Security Credit Union auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.34%
- Used vehicleUsed5.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Family Security 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
All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term. Rates are subject to change at any time without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.34% | Rates as low as 5.34% APR. Loan example: $30,000.00 at 5.34% APR for 36 months = $903.72 per month. |
| up to 48 months | 5.34% | Rates as low as 5.34% APR. Loan example: $30,000.00 at 5.34% APR for 48 months = $695.54 per month. |
| up to 60 months | 5.34% | Rates as low as 5.34% APR. Loan example: $30,000.00 at 5.34 APR for 60 months = $570.85 per month. |
| up to 72 months | 5.60% | Rates as low as 5.60% APR. Loan example: $30,000.00 at 5.60% APR for 72 months = $491.58 per month. |
| up to 84 months | 6.34% | Rates as low as 6.34% APR. Loan example: $35,000.00 at 6.34% APR for 84 months = $517.07 per month. |
Sources (1)
- myfscu.com/loan-rates · captured Oct 15, 2026
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors
All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term. Rates are subject to change at any time without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.34% | Rates as low as 6.34% APR. Loan example: $30,000.00 at 6.34% APR for 36 months = $917.30 per month. |
| up to 48 months | 6.34% | Rates as low as 6.34% APR. Loan example: $30,000.00 at 6.34% APR for 48 months = $709.27 per month. |
| up to 60 months | 6.34% | Rates as low as 6.34% APR. Loan example: $30,000.00 at 6.34% APR for 60 months = $584.78 per month. |
| up to 72 months | 6.60% | Rates as low as 6.60% APR. Loan example: $30,000.00 at 6.60% APR for 72 months = $497.22 per month. |
Sources (1)
- myfscu.com/loan-rates · captured Oct 15, 2026
Who can join Family Security Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals and businesses who live, work, worship, attend school, or operate in the counties served across Alabama are eligible for membership.
Employers and groups
- Employees and retirees of Ruby Tuesday, Inc. and the Compass Group family of companies, as well as organizations of such persons, are eligible for membership.
Family and household
- Families of members are eligible for membership.
Other ways
- Residents of Alabama, Mississippi, Tennessee, Florida, or Georgia are eligible for membership through free membership in the Alabama Consumer Council (ACC).
Membership information collected October 4, 2026.