Credit union · NCUA insured
Southern FCU Auto Loan Rates
Southern FCU auto loan rates start at 2.50% APR. Rates checked October 16, 2026.
How Southern FCU’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Southern FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southern FCU
– –
- Terms
- —
- Up to
- —
- Discount
- —
No ongoing APR published
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
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 Loans
Loan terms available up to 84 months. Rates depend on term, vehicle protection purchase, direct deposit, automatic payments, and down payment. Must be a member in good standing. Credit subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.50% | Rate assumes discount of up to 1.00%. Vehicle discounts may be available with purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing. APR cannot be discounted below 3.50%. |
| up to 24 months | 2.50% | Loan terms available up to 84 months. Rates of 2.50% to 14.90% APR available depending on term. Rate assumes discount of up to 1.00%. Vehicle discounts include purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing. |
Sources (3)
All captured Sep 17, 2026
Motorcycle / ATV Loans
Subject to credit approval. Must qualify for Southern Federal CU membership. Rate assumes discount of up to 1.00%. Discounts may be available with the purchase of GAP, Warranty, and Debt Protection products, as well as with direct deposit, automatic payments, and a down payment. APR cannot be discounted below 5.75%.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.75% | Terms up to 24 months. Rate assumes discount of up to 1.00%. APR cannot be discounted below 5.75%. Subject to credit approval. Must qualify for Southern Federal CU membership. |
Sources (2)
All captured Oct 6, 2026
New & Used Auto Loans
Loan terms available up to 84 months. Rates of 2.50% to 15.90% APR available depending on term. Rate assumes discount of up to 1.00% (vehicle discounts include purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment). Credit subject to approval. Must be a member in good standing. Financing up to 130% loan-to-value on cars and trucks from 2019 or newer. APR cannot be discounted below 3.50% for standard terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.50% | As low as APR for terms up to 24 months. Rate assumes discount of up to 1.00%. APR cannot be discounted below 3.50%. Vehicle discounts may be available with purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing. |
| up to 24 months | 2.50% | As low as 2.50% APR up to 24 months. Rate assumes discount of up to 1.00%. Financing up to 130% loan-to-value on cars and trucks from 2019 or newer. Credit subject to approval. Must be a member in good standing. |
Sources (3)
All captured Oct 6, 2026
Who can join Southern FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.