Credit union · NCUA insured
Southeastern Credit Union Auto Loan Rates
Southeastern Credit Union auto loans start at 6.00% APR for a new vehicle and 6.35% for a used one. Rates checked October 22, 2026.
How Southeastern Credit Union’s auto loan rates compare
Compared with banks and credit unions near Valdosta, GA, where Southeastern Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southeastern Credit Union
6.00%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
Auto or Light Truck
Lowest rate
Bank of America
5.64%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
Georgia Power Valdosta FCU
6.50%APR
- Terms
- up to 72 months
- Up to
- 16.50% APR
- Discount
- None included
Southeastern Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew6.00%
- Used vehicleUsed6.35%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southeastern 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.
Auto or Light Truck
Finance new or used car or truck. Loyalty discount available up to 1.00% APR off (0.50% for 6+ months membership plus 0.10% per additional product/service up to 0.50%). Down payment requirements subject to collateral age and value.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.00% | Model Year: New (25 or 26 only). Rates quoted are for well-qualified buyers; actual rate and term determined by creditworthiness and ability to repay. |
| up to 75 months | 6.35% | Model Year: 2026, 2025, 2024. Rates quoted are for well-qualified buyers; actual rate and term determined by creditworthiness and ability to repay. |
| up to 66 months | 6.35% | Model Year: 2023, 2022. Rates quoted are for well-qualified buyers; actual rate and term determined by creditworthiness and ability to repay. |
| up to 60 months | 6.35% | Model Year: 2021, 2020. Rates quoted are for well-qualified buyers; actual rate and term determined by creditworthiness and ability to repay. |
| up to 48 months | 6.35% | Model Year: 2019, 2018. Rates quoted are for well-qualified buyers; actual rate and term determined by creditworthiness and ability to repay. |
| up to 36 months | 6.35% | Model Year: 2017, 2016. Rates quoted are for well-qualified buyers; actual rate and term determined by creditworthiness and ability to repay. |
Sources (3)
All captured Oct 5, 2026
Who can join Southeastern Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses and other legal entities located in any of the 14 service area counties are eligible for membership.
- Individuals who live or work in Ben Hill, Berrien, Brooks, Colquitt, Cook, Echols, Irwin, Lanier, Lowndes, Pierce, Tift, Thomas, Turner, or Ware County are eligible to join.
Employers and groups
- Individuals and businesses who join Friends of the Foundation are eligible for membership even if they live or work outside the field of membership.
Family and household
- Immediate family members of current members are eligible to join regardless of where they live.
Cost to join
- Membership requires a $25 share deposit into a Share Savings Account.
Membership information collected October 4, 2026.