Credit union · NCUA insured
Magnolia Federal Credit Union Auto Loan Rates
Magnolia Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Magnolia Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jackson, MS, where Magnolia Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Magnolia Federal Credit Union
5.00%APR
- Terms
- up to 84 months
- Up to
- 18.00% APR
Auto Loans
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
Magnolia Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Magnolia 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
Rate and terms received are based on creditworthiness and other factors. Up to 100% financing and pre-approval available. Up to 0.25% APR discount available with a new or existing qualifying checking account in good standing.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.00%–18.00% | Rate and terms received will be based on creditworthiness and other factors. Daily periodic rate 0.0123% - 0.0493%. Up to 100% financing available. 0.25% APR discount available with a new or existing Magnolia Federal Credit Union checking account in good standing. Rate floor is 2.99% APR. |
Who can join Magnolia 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in Mississippi's Hinds, Madison, Rankin, Simpson, Copiah, Leake, Yazoo, or Scott Counties is eligible for membership.
Employers and groups
- Employees of this credit union are eligible for membership.
- Employees of Select Employer Groups (SEGs) partnered with Magnolia Federal Credit Union are eligible for membership.
Family and household
- Members of the immediate family or household of current Magnolia FCU members are eligible for membership.
Other ways
- Volunteers in the community are eligible for membership.
Cost to join
- There is no membership fee to join; opening a Share Savings account deposit represents your share(s).
Membership information collected October 4, 2026.