Credit union · NCUA insured
South Carolina Federal Credit Union Auto Loan Rates
South Carolina Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How South Carolina Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charleston, SC, where South Carolina Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
South Carolina Federal Credit Union
5.24%APR
- Terms
- up to 63 months
- Up to
- —
New Auto Loan
Lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
2nd-lowest rate
Santee Cooper Credit Union
4.24%APR
- Terms
- —
- Up to
- —
South Carolina Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where South Carolina 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 Auto Loan
Rates depend on creditworthiness, term, and collateral. Rate discounts available with automatic payment deduction from a Simple Checking or Premium Checking account. No down payment required. Previous year or newer vehicles with less than 10,000 miles. 90 days no payments available on new loans and external refinances (interest still accrues; existing SCFCU loans excluded).
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.24% | As low as APR. Rate discount available with automatic payment deduction from Simple Checking or Premium Checking. No down payment required. |
| 64–75 months | 5.24% | As low as APR. Rate discount available with automatic payment deduction from Simple Checking or Premium Checking. No down payment required. |
| 76–84 months | 5.99% | As low as APR. Rate discount available with automatic payment deduction from Simple Checking or Premium Checking. No down payment required. |
Sources (1)
- scfederal.org/loans/auto-loans · captured Oct 4, 2026
Used Auto Loan
Rates depend on creditworthiness, term, and collateral. Rate discounts available with automatic payment deduction from a Simple Checking or Premium Checking account. No down payment required. 90 days no payments available on new loans and external refinances (interest still accrues; existing SCFCU loans excluded).
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.74% | As low as APR. Rate discount available with automatic payment deduction from Simple Checking or Premium Checking. No down payment required. |
| 64–75 months | 5.74% | As low as APR. Rate discount available with automatic payment deduction from Simple Checking or Premium Checking. No down payment required. |
| 76–84 months | 6.49% | As low as APR. Rate discount available with automatic payment deduction from Simple Checking or Premium Checking. No down payment required. |
Sources (1)
- scfederal.org/loans/auto-loans · captured Oct 4, 2026
Who can join South Carolina Federal Credit Union
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