Singing River Federal Credit Union Auto Loan Rates

How Singing River Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Gulfport, MS, where Singing River Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Singing River Federal Credit Union
4.74%APR
Terms
49–60 months
Up to
15.99% APR
New & Used Auto Loan
Lowest rate
Navigator Credit Union
4.24%APR
Terms
up to 84 months
Up to
—
Navigator Credit Union rates
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
Terms
37–60 months
Up to
—
Navy Federal Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 80% of U.S. banks and credit unions

By vehicle

New vehicleNew4.74%
Used vehicleUsed4.74%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Singing River 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.

First-Time Auto Loan

Available to members age 18–25 with a job working 30+ hours/week held for 1 year. Special 8.99% APR determined by credit evaluation factors (employment history and income) during at least two mandatory discussions with SRFCU Certified Financial Counselor. Checking account with direct deposit and online account management required. Maximum loan amount not to exceed $18,000 or 75% of gross annual income. 100% financing on new and used autos. Terms up to 60 months. Can have limited credit experience or no previous credit experience; cannot have any prior auto loans. Qualified guarantor may be required if under 18 or guidelines not met. Loan may not be refinanced. Boats, motorcycles, RV/campers excluded.

Terms	APR	Conditions
up to 60 months	8.99%	Special 8.99% APR determined by credit evaluation factors during at least two mandatory discussions with SRFCU Certified Financial Counselor. Max loan amount $18,000 or 75% of gross annual income. Checking account with direct deposit and online account management required. Members age 18-25. 100% financing on new and used autos. Up to 60 months.

Sources (2)

All captured Oct 7, 2026

New & Used Auto Loan

New and used auto rates are based on credit score, term, model year, amount financed, and relationship pricing. Level 1 used autos (2022-2025) are financed at the stated auto rate. Maximum 18% APR. Fixed and variable rates available. Financing up to 100%. Optional 90 Day No Pay promotion (first payment deferred 90 days from closing, interest accrues) begins 2026-03-09.

Terms	APR	Conditions
up to 36 months	3.74%–15.49%	New & Used Auto. Level 1 used autos (2022-2025) financed at stated auto rate. Rate based on credit score, term, model year, amount financed, and relationship pricing. Max 18% APR.
37–48 months	3.99%–15.74%	New & Used Auto. Level 1 used autos (2022-2025) financed at stated auto rate. Rate based on credit score, term, model year, amount financed, and relationship pricing. Max 18% APR.
49–60 months	4.74%–15.99%	New & Used Auto. Level 1 used autos (2022-2025) financed at stated auto rate. Rate based on credit score, term, model year, amount financed, and relationship pricing. Max 18% APR.
61–72 months	4.99%–16.24%	New & Used Auto. Level 1 used autos (2022-2025) financed at stated auto rate. Rate based on credit score, term, model year, amount financed, and relationship pricing. Max 18% APR.
73–84 months	5.24%–16.49%	New & Used Auto. Level 1 used autos (2022-2025) financed at stated auto rate. Rate based on credit score, term, model year, amount financed, and relationship pricing. Max 18% APR.

Sources (4)

All captured Oct 7, 2026

Who can join Singing River 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 individuals who live, work, worship, attend school, and do business within specified Alabama and Mississippi counties.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

← Singing River Federal Credit Union overview