Credit union · NCUA insured
Family Trust Federal Credit Union Auto Loan Rates
Top CarrotFamily Trust Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 4.34% for a used one. Rates checked October 22, 2026.
How Family Trust Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Family Trust Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Family Trust Federal Credit Union
3.99%APR
- Terms
- —
- Up to
- 16.29% APR
- Discount
- Included in the rate
New Auto Loan
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
- Discount
- None included
Family Trust Federal Credit Union auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Family Trust 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 Loan
Must be 18 to apply. Qualification is based on credit, income and other underwriting factors, and is subject to approval. APR is fixed for the life of the loan; actual rate will depend on credit, term, and loan amount. Up to 125% financing available for qualified buyers. Optional 90-day first payment deferral available for qualified buyers (interest accrues during deferral). Pre-approval valid for 30 days.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.24%–16.79% | — |
| — | 3.99%–16.29% | Includes 0.25% Loyalty Checking APR discount. Must have an active Loyalty Checking account at the time of loan funding to qualify. |
Sources (1)
- familytrust.org/personal-banki…al-loans/auto-loans.html · captured Oct 15, 2026
Used Auto Loan
Must be 18 to apply. Qualification is based on credit, income and other underwriting factors, and is subject to approval. APR is fixed for the life of the loan; actual rate will depend on credit, term, and loan amount. Up to 125% financing available for qualified buyers. Optional 90-day first payment deferral available for qualified buyers (interest accrues during deferral). Pre-approval valid for 30 days.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.59%–17.79% | — |
| — | 4.34%–17.29% | Includes 0.25% Loyalty Checking APR discount. Must have an active Loyalty Checking account at the time of loan funding to qualify. |
Sources (1)
- familytrust.org/personal-banki…al-loans/auto-loans.html · captured Oct 15, 2026
Who can join Family Trust Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in 13 South Carolina counties (Abbeville, Anderson, Cherokee, Chester, Greenville, Greenwood, Lancaster, Laurens, Oconee, Pickens, Spartanburg, Union, or York) or 4 North Carolina counties (Cleveland, Gaston, Lincoln, or Mecklenburg).
Employers and groups
- Eligibility is open to employees of participating local companies.
Family and household
- Eligibility is open to individuals who have an immediate family member or someone in their household who is already a member of Family Trust Federal Credit Union.
Membership information collected October 4, 2026.