Credit union · NCUA insured
Palmetto Citizens Federal Credit Union Auto Loan Rates
Palmetto Citizens Federal Credit Union auto loans start at 5.55% APR for a new vehicle and 6.44% for a used one. Rates checked October 22, 2026.
How Palmetto Citizens Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Columbia, SC, where Palmetto Citizens Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Palmetto Citizens Federal Credit Union
5.55%APR
- Terms
- 49–60 months
- Up to
- —
New & Used Automobile or Truck (2023-New)
Lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
Palmetto Citizens Federal Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.55%
- Used vehicleUsed6.44%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Palmetto Citizens 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 Automobile or Truck (2023-New)
Applies to New & Used Automobile or Truck (2023-New / NEW - 3 years old). No Payments for up to 90 Days. Same Rate on New to 3 Year Old Models. Over 100% Financing Available on most new to 3 year old models. Rate may vary and is determined by creditworthiness, amount financed and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | — |
| 37–48 months | 5.50% | — |
| 49–60 months | 5.55% | — |
| 61–72 months | 5.60% | — |
| 73–84 months | 7.29% | — |
| 85–96 months | 9.29% | — |
Sources (1)
- newsite.palmettocitizens.org/personal/vehicles · captured Oct 4, 2026
Used Automobile or Truck (4-5 years old)
Rate may vary and is determined by creditworthiness, amount financed and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.44% | — |
| up to 72 months | 6.44% | — |
Sources (1)
- newsite.palmettocitizens.org/personal/vehicles · captured Oct 4, 2026
Used Automobile or Truck (6 years & older)
Rate may vary and is determined by creditworthiness, amount financed and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.75% | Under $15,000 |
| up to 72 months | 7.75% | — |
Sources (1)
- newsite.palmettocitizens.org/personal/vehicles · captured Oct 4, 2026
Who can join Palmetto Citizens Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.