Credit union · NCUA insured
Memorial Federal Credit Union Auto Loan Rates
Memorial Federal Credit Union auto loans start at 4.29% APR for a new vehicle. Rates checked October 22, 2026.
How Memorial Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Gulfport, MS, where Memorial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Memorial Federal Credit Union
4.29%APR
- Terms
- —
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
Memorial Federal Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Memorial 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.
New Auto Loans
Financing up to 100% of MSRP or NADA value to qualified borrowers for purchasing or refinancing. Actual rates and terms vary based on credit history, loan amount, model year, term, and collateral. New vehicles defined as new and late model used vehicles (2025 and newer model years) with 10,000 or fewer miles.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.29% | Advertised 'as low as' APR assumes excellent borrower credit history. Financing up to 100% MSRP/NADA value. New vehicles are 2025 and newer model years with 10,000 or fewer miles. |
Sources (1)
- memorialfcu.org/loans · captured Oct 7, 2026
Used Auto Loans
Financing up to 100% of MSRP or NADA value to qualified borrowers for purchasing or refinancing. Actual rates and terms vary based on credit history, loan amount, model year, term, and collateral. Used vehicles defined as 2024 and older model years or any model year with over 10,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.29% | Advertised 'as low as' APR assumes excellent borrower credit history. Financing up to 100% MSRP/NADA value. Used vehicles are 2024 and older model years or any model year with over 10,000 miles. |
Sources (1)
- memorialfcu.org/loans · captured Oct 7, 2026
Who can join Memorial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and medical staff of Memorial Hospital at Gulfport, its surrounding clinics, and Gulf Coast Mental Health are eligible for membership.
Family and household
- Immediate family members of employees and medical staff of Memorial Hospital at Gulfport, its surrounding clinics, and Gulf Coast Mental Health are eligible for membership.
Cost to join
- Joining and opening an account requires $15.00.
Membership information collected October 4, 2026.