Credit union · NCUA insured
SecurCommunity Federal Credit Union Auto Loan Rates
SecurCommunity Federal Credit Union auto loans start at 3.90% APR for a new vehicle and 4.25% for a used one. Rates checked October 15, 2026.
How SecurCommunity Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where SecurCommunity Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SecurCommunity Federal Credit Union
3.90%APR
- Terms
- 1–60 months
- Up to
- —
- Discount
- None included
New Car Loan
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
Kimberly Clark Credit Union
3.99%APR
- Terms
- —
- Up to
- 12.49% APR
- Discount
- None included
SecurCommunity Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.90%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SecurCommunity 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 Car Loan
Only Credit Union members are eligible to apply for loans. 100% financing of costs associated with car purchase including tax, title and tags. No first payment for 90 days. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 3.90% | — |
| 61–66 months | 4.25% | — |
| 67–72 months | 4.90% | — |
| 73–84 months | 5.90% | — |
Sources (1)
- securcommunityfcu.org/auto-loans-3 · captured Oct 7, 2026
Used Car Loan
Only Credit Union members are eligible to apply for loans. 100% financing of costs associated with car purchase including tax, title and tags. No first payment for 90 days. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 4.25% | — |
| 61–66 months | 4.50% | — |
| 67–72 months | 5.25% | — |
| 73–84 months | 6.25% | — |
Sources (1)
- securcommunityfcu.org/auto-loans-3 · captured Oct 7, 2026
Who can join SecurCommunity 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, studies, or worships in Shelby County or DeSoto County.
Cost to join
- A $25 minimum deposit in a checking or savings account serves as a one-time membership fee.
Membership information collected October 5, 2026.