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Credit union · NCUA insured

One South Federal Credit Union Auto Loan Rates

One South Federal Credit Union auto loans start at 8.99% APR for a new vehicle and 9.99% for a used one. Rates checked October 22, 2026.

How One South Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Natchez, MS-LA, where One South Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    One South Federal Credit Union

    8.99%APR

    Terms
    —
    Up to
    —

    New Auto

  • Lowest rate

    Citizens Choice Federal Credit Union

    6.00%APR

    Terms
    36–72 months
    Up to
    18.00% APR

    Citizens Choice Federal Credit Union rates

Compare auto loan rates near you →

One South Federal Credit Union auto loan score

60

Auto loan score

Higher than 1% of U.S. banks and credit unions

By vehicle
  • New vehicleNew8.99%
  • Used vehicleUsed9.99%

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 One South 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.

Who can join One South 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This may be incomplete or out of date, so check with the credit union before you apply.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

  • Individuals who live, work, attend school, or attend church in Concordia Parish, LA or Adams County, MS are eligible for membership.

Cost to join

  • A $25 deposit is required to open a savings account.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
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