Credit union · NCUA insured
Mercy Federal Credit Union Auto Loan Rates
Mercy Federal Credit Union auto loans start at 4.90% APR for a new vehicle and 4.90% for a used one. Rates checked October 22, 2026.
How Mercy Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Savannah, GA, where Mercy Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mercy Federal Credit Union
4.90%APR
- Terms
- —
New/Used Vehicles
Lowest rate
Savannah Postal Credit Union
4.25%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Mercy Federal Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.90%
- Used vehicleUsed4.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mercy 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/Used Vehicles
| Terms | APR | Conditions |
|---|---|---|
| — | 4.90%–14.90% | LTV based on Black Book Clean Retail Value; Rates are from 4.9% to 14.9% based on Beacon Score |
| — | 4.90% | — |
| — | 5.99% | For qualifying borrowers on new and used auto loans |
Who can join Mercy Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Anyone who works for St Joseph’s/Candler Hospital system is eligible to open a Mercy Federal Credit Union account.
Family and household
- Family members are eligible for accounts.
Membership information collected October 4, 2026.