Credit union · NCUA insured
South Central Credit Union Auto Loan Rates
South Central Credit Union auto loans start at 4.99% APR for a new vehicle. Rates checked October 16, 2026.
How South Central Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jackson, MI, where South Central Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
South Central Credit Union
4.99%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
New Auto Loan
Lowest rate
American 1 Credit Union
4.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
South Central Credit Union auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where South Central 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
Up to 100% financing for qualified members (includes demo's and all vehicles not previously titled) of total purchase price including tax, title, and add-ons. 72 months term requires loan amount of $20,000.00 or more. Actual rates determined by member's individual credit score; lowest rate is for highest credit tier.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Lowest rate available to qualifying members in highest credit tier. New Automobiles only at 72 months term; loan must be $20,000.00 or more. |
Who can join South Central 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This may be incomplete or out of date, so check with the credit union before you apply.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, worships, or attends school in Branch, Calhoun, Eaton, Hillsdale, Ingham, Jackson, Lenawee, Livingston, or Washtenaw counties in Michigan.
Employers and groups
- Membership is open to Michigan Railroaders employees and family members.
- Membership is open to employees of South Central Credit Union.
Military, government and schools
- Membership is open to City of Jackson Michigan employees and pensioners (retirees).
- Membership is open to County of Jackson Michigan employees and pensioners (retirees).
- Membership is open to employees of the Jackson County Michigan Townships of Blackman, Leoni and Summit.
1 more way to join
Family and household
- Membership is open to any immediate family member of a current primary member related by blood or marriage, whether living or not living in the same household.
Membership information collected October 5, 2026.