Mississippi Highway Safety Patrol FCU Auto Loan Rates

How Mississippi Highway Safety Patrol FCU’s auto loan rates compare

Compared with banks and credit unions near Jackson, MS, where Mississippi Highway Safety Patrol FCU has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Mississippi Highway Safety Patrol FCU
5.75%APR
Terms
49–60 months
Up to
14.25% APR
New & Used Auto
Lowest rate
Mississippi DHS FCU
3.49%APR
Terms
—
Up to
—
Mississippi DHS FCU rates
2nd-lowest rate
Veritas Federal Credit Union
4.49%APR
Terms
up to 84 months
Up to
17.99% APR
Veritas Federal Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 23% of U.S. banks and credit unions

By vehicle

New vehicleNew5.75%
Used vehicleUsed5.75%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Mississippi Highway Safety Patrol 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.

Bring your auto loan home for the holidays!

Promotional offer valid November 3 – December 31, 2025 for outside refinances. Membership eligibility required. Rate and approval subject to creditworthiness, vehicle age, and term. Federally insured by NCUA.

Terms	APR	Conditions
up to 72 months	3.50%	Promotional rate of 3.50% APR applies to A and A+ credit tiers only (660 and above) on refinanced auto loans from other lenders. Offer valid November 3 – December 31, 2025. Offer expires December 31, 2025. Rate and approval subject to creditworthiness, vehicle age, and term. Terms up to 72 months available. Membership eligibility required.

Sources (1)

mhspfcu.com/promotions-specials · captured Oct 4, 2026

New & Used Auto

Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.

Terms	APR	Conditions
1–36 months	4.75%–13.00%	Rates by credit tier: A+ (>= 725) 4.75%, A (660-724) 5.25%, B (620-659) 6.75%, C (600-619) 9.25%, D (<= 599) 13.00%.
37–48 months	5.25%–13.50%	Rates by credit tier: A+ (>= 725) 5.25%, A (660-724) 5.75%, B (620-659) 7.25%, C (600-619) 9.50%, D (<= 599) 13.50%.
49–60 months	5.75%–14.25%	Rates by credit tier: A+ (>= 725) 5.75%, A (660-724) 6.25%, B (620-659) 7.75%, C (600-619) 10.25%, D (<= 599) 14.25%.
61–72 months	6.25%–14.75%	Rates by credit tier: A+ (>= 725) 6.25%, A (660-724) 6.75%, B (620-659) 8.50%, C (600-619) 11.25%, D (<= 599) 14.75%.
73–84 months	6.75%–15.75%	Over $30,000. Rates by credit tier: A+ (>= 725) 6.75%, A (660-724) 7.75%, B (620-659) 9.00%, C (600-619) 11.75%, D (<= 599) 15.75%.

Sources (1)

mhspfcu.com/loan-rates · captured Oct 4, 2026

Who can join Mississippi Highway Safety Patrol FCU

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

Membership is open to employees of the MS Highway Safety Patrol Federal Credit Union.

Military, government and schools

Membership is open to employees of Administration, Driver Service Bureau (Driver's License), Highway Patrol, Bureau of Investigations, Bureau of Narcotics, Homeland Security, Office of Forensic Laboratories, Law Enforcement Officer's Training Academy, Public Safety Planning, Crime Stoppers, Capitol Police, and Commercial Transportation Enforcement.
Membership is open to persons retired as pensioners or annuitants from qualifying employment divisions.

Family and household

Membership is open to members of the immediate families of qualifying persons.
Membership is open to spouses of persons who died while within the field of membership.

Other ways

Membership is open to organizations of qualifying persons.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

← Mississippi Highway Safety Patrol FCU overview