Credit union · NCUA insured
FedEx Employees Credit Association Auto Loan Rates
FedEx Employees Credit Association auto loans start at 4.50% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How FedEx Employees Credit Association’s auto loan rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where FedEx Employees Credit Association has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FedEx Employees Credit Association
4.50%APR
- Terms
- 37–60 months
- Discount
- None included
NEW Auto Loan
Lowest rate
SecurCommunity Federal Credit Union
3.90%APR
- Terms
- 1–60 months
- Discount
- None included
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
FedEx Employees Credit Association auto loan score
87
Auto loan score
Higher than 78% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FedEx Employees Credit Association 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
Rates are based on term length, credit score, and are subject to change. Must be a member of FECA credit union. Applications are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Rates as low as stated APR for term up to 36 months. |
| 37–60 months | 4.50% | Rates as low as stated APR for term 37 - 60 months. |
| 61–72 months | 5.50% | Rates as low as stated APR for term 61 - 72 months. |
| 73–84 months | 6.50% | Rates as low as stated APR for term 73 - 84 months. |
USED Auto Loan
Rates are based on term length, credit score, and are subject to change. Must be a member of FECA credit union. Applications are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Rates as low as stated APR for term up to 36 months. |
| 37–60 months | 4.99% | Rates as low as stated APR for term 37 - 60 months. |
| 61–72 months | 5.99% | Rates as low as stated APR for term 61 - 72 months. |
| 73–84 months | 6.99% | Rates as low as stated APR for term 73 - 84 months. |
Who can join FedEx Employees Credit Association
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to FedEx employees.
- Membership is open to FedEx Office employees.
- Membership is open to FedEx retirees.
Family and household
- Membership is open to immediate family members (spouse, children, parents, siblings, grandparents, grandchildren) of FedEx employees.
- Membership is open to household members and roommates of FedEx employees.
Cost to join
- A $25.00 deposit is required to open a savings account.
Membership information collected October 5, 2026.