Credit union · NCUA insured
Secured Advantage Federal Credit Union Auto Loan Rates
Secured Advantage Federal Credit Union auto loans start at 4.50% for a used one. Rates checked October 15, 2026.
How Secured Advantage Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Greenville, SC, where Secured Advantage Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Secured Advantage Federal Credit Union
– –
- Terms
- —
- Up to
- —
No ongoing APR published
Lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
2nd-lowest rate
Greenville Heritage Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
Secured Advantage Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Secured Advantage 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.
Motorcycle Loans
Rates subject to change without notice. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply. Up to 60 months depending on age.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.50% | Up to 60 months, depending on age. Rates subject to credit approval and creditworthiness. Fees and charges may apply. |
Sources (1)
- securedadvantagefcu.com/rates · captured Oct 15, 2026
New Auto Loans
Subject to Secured Advantage membership, credit approval, and underwriting criteria. 100% financing options and repayment terms up to 84 months based on vehicle age and underwriting guidelines. Rates and terms may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled. First-time buyers can secure up to $20,000 with no co-borrower needed based on income, amount, and other qualifying factors. 45 days no payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.99% | As low as 3.99% APR. Up to 84 months, depending on age. 100% financing (0% down) available. First-time buyers up to $20,000 without co-borrower. 45 days no payments. Rate effective as of 1/1/2026. |
Used Auto Loans
Rates and terms are subject to credit approval and may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.50% | As low as 4.50% APR. Rates and terms are subject to credit approval and may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled. Rates are effective as of 1/26/2026 and subject to change without notice. |
Sources (1)
- securedadvantagefcu.com/rates · captured Oct 4, 2026
Who can join Secured Advantage 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, worship, volunteer, or attend school in Greenville or Spartanburg counties, South Carolina, or in Wichita County or Iowa Park, Texas are eligible for membership.
Employers and groups
- Contract workers who regularly work under contract with Sealed Air Corp. are eligible for membership.
- Employees of Itty Bitty Child Care Center in Liberty, South Carolina are eligible for membership.
- Employees and retirees of Sealed Air Corp. or its subsidiaries/affiliates are eligible for membership.
Family and household
- Spouses, household members, or family members of current Secured Advantage members are eligible for membership.
Membership information collected October 4, 2026.