Credit union · NCUA insured
Gulf Coast Community Federal Credit Union Auto Loan Rates
Gulf Coast Community Federal Credit Union auto loans start at 4.95% APR for a new vehicle and 4.95% for a used one. Rates checked October 22, 2026.
How Gulf Coast Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Gulfport, MS, where Gulf Coast Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Gulf Coast Community Federal Credit Union
4.95%APR
- Terms
- up to 96 months
- Up to
- 16.99% APR
Auto Loans
Lowest rate
Navigator Credit Union
4.24%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
Gulf Coast Community Federal Credit Union auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.95%
- Used vehicleUsed4.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gulf Coast Community 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.
Auto Loans
Membership eligibility required. Applies to new and used autos. Rates and terms based on prior credit performance, age of collateral, and may vary based on mileage, additional credit union services chosen, and/or percentage of down payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 4.95%–16.99% | Applies to new loans only with GCCFCU or refinances from another lender. Applies to new and used autos. Up to 100% of NADA average retail or 100% of selling price, whichever is less. Rates and terms based on prior credit performance, age of collateral, and may vary based on mileage, additional credit union services chosen, and/or percentage of down payment. Membership eligibility required. |
Who can join Gulf Coast Community 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or attends school in Harrison, Hancock, Stone, or Jackson County.
Family and household
- Membership is open to immediate family members (spouses, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, step-siblings, adoptive family members) and anyone who helps maintain the household of an existing member.
Other ways
- Membership is open to individuals who participate in or are members of select associations: The American Legion, Veterans of Foreign Wars (VFW), Friends of Jerry Lawrence Library Association, or the Mental Health Association of South Mississippi.
Membership information collected October 4, 2026.