Credit union · NCUA insured
Shuford Federal Credit Union Auto Loan Rates
Shuford Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 6.00% for a used one. Rates checked October 22, 2026.
How Shuford Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hickory, NC, where Shuford Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Shuford Federal Credit Union
5.25%APR
- Terms
- 49–60 months
- Up to
- 12.50% APR
New and Current Model
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
Shuford Federal Credit Union auto loan score
72
Auto loan score
Higher than 30% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Shuford 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 and Current Model
Over 72 requires mgt approval. Fixed Rate. All savings and loan rates subject to change. Contact the Credit Union for current rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00%–11.25% | — |
| 49–60 months | 5.25%–12.50% | — |
| 61–72 months | 5.50%–13.99% | — |
Sources (2)
All captured Oct 4, 2026
Steal the Car
Cash back program. Rates subject to change.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.50% | Rates as low as 4.50%. Includes cash back option. |
Sources (2)
All captured Oct 4, 2026
Used
Over 72 requires mgt approval. Fixed Rate. All savings and loan rates subject to change. Contact the Credit Union for current rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.50%–11.75% | — |
| 49–60 months | 6.00%–13.25% | — |
| 61–72 months | 6.75%–14.99% | — |
Sources (2)
All captured Oct 4, 2026
Who can join Shuford Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.