Credit union · NCUA insured
Mississippi DHS FCU Auto Loan Rates
Top CarrotMississippi DHS FCU auto loans start at 3.49% APR for a new vehicle and 3.49% for a used one. Rates checked October 22, 2026.
How Mississippi DHS FCU’s auto loan rates compare
Compared with banks and credit unions near Jackson, MS, where Mississippi DHS FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mississippi DHS FCU
3.49%APR
- Terms
- —
- Up to
- —
Auto Loan Special
2nd-lowest rate
Veritas Federal Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
3rd-lowest rate
RiverLand Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- —
Mississippi DHS FCU auto loan score
99
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.49%
- Used vehicleUsed3.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mississippi DHS FCU 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 Loan Special
Auto Loan Special on new and used vehicles. Rates and terms subject to credit approval. Refinance and save 2% on your current rate (floor rate for refinancing is 3.49%). Rates are subject to change.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.49% | Rates as low as 3.49% on new and used vehicles. Refinance offers 2% savings on current rate with a 3.49% floor rate. Subject to credit approval. |
Sources (1)
- msdhsfcu.com/wp-content/upload…-Loan-Special-052026.pdf · captured Oct 22, 2026
New/Used Autos
Automobile loans require a $25 upfront loan application fee. All quoted loan rates are APR. If a used auto is over 5 calendar years old, add 2% to the rate. Auto floor rate is 5.25%. Rates and terms subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.25%–13.50% | Credit tiers A to D (scores 515 to 700+). Stated rates: Tier A (700+) 5.25%, Tier B (660-699) 7.00%, Tier C (620-659) 9.00%, Tier D (515-619) 13.50%. If a used auto is over 5 calendar years old, add 2%. Floor rate is 5.25%. |
| 37–48 months | 5.25%–14.00% | Credit tiers A to D (scores 515 to 700+). Stated rates: Tier A (700+) 5.25%, Tier B (660-699) 7.00%, Tier C (620-659) 9.50%, Tier D (515-619) 14.00%. If a used auto is over 5 calendar years old, add 2%. Floor rate is 5.25%. |
| 49–60 months | 5.25%–14.50% | Credit tiers A to D (scores 515 to 700+). Stated rates: Tier A (700+) 5.25%, Tier B (660-699) 7.00%, Tier C (620-659) 10.00%, Tier D (515-619) 14.50%. If a used auto is over 5 calendar years old, add 2%. Floor rate is 5.25%. |
| 61–72 months | 5.75%–16.00% | Credit tiers A to D (scores 515 to 700+). Stated rates: Tier A (700+) 5.75%, Tier B (660-699) 7.50%, Tier C (620-659) 12.25%, Tier D (515-619) 16.00%. If a used auto is over 5 calendar years old, add 2%. Floor rate is 5.25%. |
| 73–84 months | 6.25%–18.00% | Credit tiers A to D (scores 515 to 700+). Stated rates: Tier A (700+) 6.25%, Tier B (660-699) 8.00%, Tier C (620-659) 13.25%, Tier D (515-619) 18.00%. Applicable to loan amounts over $30,000. If a used auto is over 5 calendar years old, add 2%. Floor rate is 5.25%. |
Who can join Mississippi DHS FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.