Credit union · NCUA insured
Keesler Federal Credit Union Auto Loan Rates
Top CarrotKeesler Federal Credit Union auto loans start at 5.64% APR for a new vehicle and 6.14% for a used one. Rates checked October 22, 2026.
How Keesler Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Gulfport, MS, where Keesler Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Keesler Federal Credit Union
5.64%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
Navigator Credit Union
4.24%APR
- Terms
- up to 84 months
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Keesler Federal Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.64%
- Used vehicleUsed6.14%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Keesler 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.
Classic Auto Loans (25 years and older)
Models 25 years or older. Actual rates and terms vary based on credit history, loan amount, and collateral. Requires full coverage insurance (comprehensive and collision) with Keesler Federal listed as lienholder.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.89% | Up to 36 mo. Est. monthly payment $30.92 per $1,000. Models 25 years or older. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 48 months | 7.64% | Up to 48 mo. Est. monthly payment $24.32 per $1,000. Models 25 years or older. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 60 months | 8.14% | Up to 60 mo. Est. monthly payment $20.41 per $1,000. Models 25 years or older. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 72 months | 8.64% | Up to 72 mo. Est. monthly payment $17.91 per $1,000. Models 25 years or older. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 84 months | 9.14% | Up to 84 mo. Est. monthly payment $16.22 per $1,000. Models 25 years or older. Actual rates and terms vary based on credit history, loan amount, and collateral. |
New Auto Loans
Includes current and previous year's models. Actual rates and terms vary based on credit history, loan amount, and collateral. Active duty service members may qualify for an exclusive 1% discount. Requires full coverage insurance (comprehensive and collision) with Keesler Federal listed as lienholder.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.39% | Up to 36 mo. Est. monthly payment $29.76 per $1,000. Current and previous year's models. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 48 months | 5.14% | Up to 48 mo. Est. monthly payment $23.15 per $1,000. Current and previous year's models. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 60 months | 5.64% | Up to 60 mo. Est. monthly payment $19.21 per $1,000. Current and previous year's models. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 72 months | 6.14% | Up to 72 mo. Est. monthly payment $16.69 per $1,000. Current and previous year's models. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 84 months | 6.64% | Up to 84 mo. Est. monthly payment $14.96 per $1,000. Current and previous year's models. Actual rates and terms vary based on credit history, loan amount, and collateral. |
New Motorcycle Loans
Includes cruiser, sport, touring, off-road, motorized tricycle and dual-purpose motorcycles. Actual rates and terms vary based on credit history, loan amount, and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.69% | Up to 36 mo. Est. monthly payment $30.83 per $1,000. Includes cruiser, sport, touring, off-road, motorized tricycle and dual-purpose motorcycles. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 48 months | 6.99% | Up to 48 mo. Est. monthly payment $24.02 per $1,000. Includes cruiser, sport, touring, off-road, motorized tricycle and dual-purpose motorcycles. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 60 months | 7.49% | Up to 60 mo. Est. monthly payment $20.10 per $1,000. Includes cruiser, sport, touring, off-road, motorized tricycle and dual-purpose motorcycles. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 72 months | 7.99% | Up to 72 mo. Est. monthly payment $17.60 per $1,000. Includes cruiser, sport, touring, off-road, motorized tricycle and dual-purpose motorcycles. Actual rates and terms vary based on credit history, loan amount, and collateral. |
Sources (1)
- kfcu.org/rates · captured Oct 15, 2026
Older Auto Loans (10-24 years old)
Models 10-24 years old. Actual rates and terms vary based on credit history, loan amount, and collateral. Requires full coverage insurance (comprehensive and collision) with Keesler Federal listed as lienholder.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.39% | 36 mo. Est. monthly payment $32.59 per $1,000. Actual rates and terms vary based on credit history, loan amount, and collateral. |
Older Auto Loans (7-9 years old)
Models 7-9 years old. Actual rates and terms vary based on credit history, loan amount, and collateral. Requires full coverage insurance (comprehensive and collision) with Keesler Federal listed as lienholder.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.39% | 36 mo. Est. monthly payment $30.22 per $1,000. Actual rates and terms vary based on credit history, loan amount, and collateral. |
Older Motorcycles
Actual rates and terms vary based on credit history and loan amount. APR is annual percentage rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.19% | Monthly payments are approximately $25.57 per $1000 borrowed at 10.19% APR for 36 months. Actual rates and terms vary based on credit history and loan amount. |
Sources (1)
- kfcu.org/rates · captured Oct 15, 2026
Used Auto Loans (2-6 years old)
Models between 2 - 6 years old. Actual rates and terms vary based on credit history, loan amount, and collateral. Active duty service members may qualify for an exclusive 1% discount. Requires full coverage insurance (comprehensive and collision) with Keesler Federal listed as lienholder.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.89% | Up to 36 mo. Est. monthly payment $29.98 per $1,000. Models between 2-6 years old. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 48 months | 5.64% | Up to 48 mo. Est. monthly payment $23.38 per $1,000. Models between 2-6 years old. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 60 months | 6.14% | Up to 60 mo. Est. monthly payment $19.46 per $1,000. Models between 2-6 years old. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 72 months | 6.64% | Up to 72 mo. Est. monthly payment $16.93 per $1,000. Models between 2-6 years old. Actual rates and terms vary based on credit history, loan amount, and collateral. |
| up to 84 months | 7.14% | Up to 84 mo. Est. monthly payment $15.22 per $1,000. Models between 2-6 years old. Actual rates and terms vary based on credit history, loan amount, and collateral. |
Used Motorcycles
Actual rates and terms vary based on credit history and loan amount. APR is annual percentage rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.19% | Monthly payments are approximately $31.06 per $1000 borrowed at 7.19% APR for 36 months. Actual rates and terms vary based on credit history and loan amount. |
Sources (1)
- kfcu.org/rates · captured Oct 15, 2026
Who can join Keesler 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
- Individuals who live, work, worship, or attend school in, as well as businesses and legal entities located in specified census tracts in Mobile County, Alabama, are eligible for membership.
- Individuals who live, work, worship, or attend school in select census tracts across specified Louisiana parishes are eligible for membership.
- Individuals who live, work, worship, or attend school in specified Mississippi counties or select census tracts are eligible for membership.
Employers and groups
- Employees of one of over 300 Select Employee Groups are eligible for membership.
Military, government and schools
- Military who can use the services at Keesler Air Force Base or at Royal Air Force Bases in the UK are eligible for membership.
Family and household
- Individuals with an immediate family member who is already a Keesler Federal member are eligible to join.
Membership information collected October 4, 2026.