Credit union · NCUA insured
MidSouth Community Federal Credit Union Auto Loan Rates
Top CarrotMidSouth Community Federal Credit Union auto loans start at 3.75% APR for a new vehicle and 3.75% for a used one. Rates checked October 22, 2026.
How MidSouth Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Macon, GA, where MidSouth Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MidSouth Community Federal Credit Union
3.75%APR
- Terms
- 49–60 months
- Up to
- —
Auto Loans
2nd-lowest rate
CGR Credit Union
3.75%APR
- Terms
- up to 60 months
- Up to
- 17.20% APR
3rd-lowest rate
Robins Financial Credit Union
4.10%APR
- Terms
- up to 60 months
- Up to
- —
MidSouth Community Federal Credit Union auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed3.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MidSouth 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 requirements apply. All loans are subject to credit approval. Rates listed are best rates (A+ credit) based on credit approval and lending requirements. Not valid with auto loans currently financed with MidSouth Community FCU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements. |
| 37–48 months | 3.75% | Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements. |
| 49–60 months | 3.75% | Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements. |
| 61–72 months | 4.90% | Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements. |
| 76–84 months | 5.90% | Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements. |
Motorcycle Loans
Membership requirements apply. All loans are subject to credit approval. Rates listed are best rates (A+ credit) based on credit approval and lending requirements. Not valid with auto loans currently financed with MidSouth Community FCU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.75% | Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements. |
| 37–60 months | 8.00% | Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements. |
| 61–72 months | 8.75% | Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements. |
| 73–84 months | 9.25% | Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements. |
Sources (1)
- midsouthfcu.org/auto-loans · captured Oct 15, 2026
Who can join MidSouth 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 available to individuals who live, work, or attend school in Baldwin, Bibb, Crawford, Hancock, Houston, Jones, Monroe, Peach, Pulaski, Putnam, Twiggs, Washington, and Wilkinson County.
Membership information collected October 4, 2026.