Credit union · NCUA insured
Ferguson FCU Auto Loan Rates
Ferguson FCU auto loans start at 5.59% APR for a new vehicle and 6.09% for a used one. Rates checked October 22, 2026.
How Ferguson FCU’s auto loan rates compare
Compared with banks and credit unions near Jackson, MS, where Ferguson FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ferguson FCU
5.59%APR
- Terms
- up to 96 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
Ferguson FCU auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed6.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ferguson 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.
Classic Auto (25 years and older)
Vehicle age 25 years and older. Rate based on creditworthiness and term of loan. Must be eligible for Ferguson FCU membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.74% | APR as low as. Terms up to 36 months. Rate based on creditworthiness and term of loan. |
New Auto
Rate based on creditworthiness and term of loan. Must be eligible for Ferguson FCU membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 5.59% | APR as low as. Terms up to 96 months. Rate based on creditworthiness and term of loan. |
New Motorcycles
Rate based on credit history, loan amount, and collateral. Must be eligible for Ferguson FCU membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.74% | APR as low as. Terms up to 72 months. Actual rates and terms vary based on credit history, loan amount, and collateral. |
Older Auto (10–24 years old)
Vehicle age 10–24 years old. Rate based on creditworthiness and term of loan. Must be eligible for Ferguson FCU membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 8.34% | APR as low as. Terms up to 96 months (source p44 indicates terms up to 60 months). Rate based on creditworthiness and term of loan. |
Older Motorcycles 6+ Years
Vehicle age 6+ years. Rate based on credit history, loan amount, and collateral. Must be eligible for Ferguson FCU membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.24% | APR as low as. Terms up to 60 months. Actual rates and terms vary based on credit history, loan amount, and collateral. |
Used Auto (2–9 years old)
Vehicle age 2–9 years old. Rate based on creditworthiness and term of loan. Must be eligible for Ferguson FCU membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 6.09% | APR as low as. Terms up to 96 months. Rate based on creditworthiness and term of loan. |
Used Motorcycles
Rate based on credit history, loan amount, and collateral. Must be eligible for Ferguson FCU membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 8.74% | APR as low as. Terms up to 72 months. Actual rates and terms vary based on credit history, loan amount, and collateral. |
Who can join Ferguson FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in one of the 36 eligible Mississippi counties (8 of which are partial) qualify for membership.
Employers and groups
- Employees of the Georgia Pacific facility in Monticello, MS are eligible to join Ferguson FCU regardless of where they live.
- Employees of the Hood Industries facility in Silver Creek, MS are eligible to join Ferguson FCU regardless of where they live.
Family and household
- Immediate family members of employees of the Georgia Pacific facility in Monticello, MS are eligible to join Ferguson FCU regardless of where they live.
- Immediate family members of employees of the Hood Industries facility in Silver Creek, MS are eligible to join Ferguson FCU regardless of where they live.
- Immediate family members (generally spouses, children, parents, and siblings) of current Ferguson FCU members are eligible to join.
Membership information collected October 4, 2026.