Credit union · NCUA insured
SAFE Federal Credit Union Auto Loan Rates
SAFE Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How SAFE Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Columbia, SC, where SAFE Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SAFE Federal Credit Union
5.24%APR
- Terms
- 37–60 months
- Up to
- —
Auto Loans
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
- —
SAFE Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SAFE 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
Minimum loan amount is $5,000. Financing up to 84 months available for qualifying vehicles. Rate is determined by credit score, term, and vehicle model year. Maximum loan-to-value limits apply. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.49% | 2024 and Newer vehicles. Rate is as low as stated and determined by credit score, term, and vehicle model year. Minimum loan amount is $5,000. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Maximum loan-to-value limits apply. |
| 37–60 months | 5.24% | 2024 and Newer vehicles. Rate is as low as stated and determined by credit score, term, and vehicle model year. Minimum loan amount is $5,000. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Maximum loan-to-value limits apply. |
| 61–75 months | 5.74% | 2024 and Newer vehicles. Rate is as low as stated and determined by credit score, term, and vehicle model year. Minimum loan amount is $5,000. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Maximum loan-to-value limits apply. |
| 76–84 months | 5.99% | 2024 and Newer vehicles. Requires $20,000 minimum loan. Rate is as low as stated and determined by credit score, term, and vehicle model year. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Maximum loan-to-value limits apply. |
| up to 60 months | 6.49% | 2021-2023 vehicles. Rate is as low as stated and determined by credit score, term, and vehicle model year. Minimum loan amount is $5,000. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Maximum loan-to-value limits apply. |
| 61–75 months | 6.74% | 2021-2023 vehicles. Rate is as low as stated and determined by credit score, term, and vehicle model year. Minimum loan amount is $5,000. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Maximum loan-to-value limits apply. |
| 76–84 months | 6.99% | 2021-2023 vehicles. Requires $20,000 minimum loan. Rate is as low as stated and determined by credit score, term, and vehicle model year. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Maximum loan-to-value limits apply. |
| up to 60 months | 6.74% | 2018-2020 vehicles. Rate is as low as stated and determined by credit score, term, and vehicle model year. Minimum loan amount is $5,000. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Maximum loan-to-value limits apply. |
| up to 54 months | 7.74% | 2016-2017 vehicles. Rate is as low as stated and determined by credit score, term, and vehicle model year. Minimum loan amount is $5,000. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Maximum loan-to-value limits apply. |
| up to 42 months | 9.49% | 2015 and Older vehicles. Rate is as low as stated and determined by credit score, term, and vehicle model year. Minimum loan amount is $5,000. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Maximum loan-to-value limits apply. |
Sources (4)
- safefed.org/cards-loans
- safefed.org/cards-loans/auto-loans
- safefed.org/rates
- safefed.org/ready-auto-loan
All captured Oct 22, 2026
Motorcycle Loans
Subject to member credit approval. Rate is determined by credit score, term, and model year of vehicle. Payment example: on a $15,000 loan at 5.50% APR for 60 months, payment would be $287/month. Conditions and terms are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.00% | Rate as low as stated. Subject to member credit approval. Rate is determined by credit score, term, and model year of vehicle. |
Who can join SAFE 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 whose address falls within an approved census tract in Lexington County, Richland County, or Kershaw County are eligible for membership.
- Individuals who live, work, worship, or go to school in Clarendon County, Florence County, Lee County, or Sumter County are eligible for membership.
Employers and groups
- Employees and affiliates of organizations with Select Employee Group (SEG) status with SAFE are eligible for membership.
Family and household
- Immediate family members of individuals employed by or affiliated with a Select Employee Group (SEG) are eligible for membership.
Membership information collected October 4, 2026.