Credit union · NCUA insured
Southern Security Federal Credit Union Auto Loan Rates
Top CarrotSouthern Security Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How Southern Security Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where Southern Security Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southern Security Federal Credit Union
4.50%APR
- Terms
- 12–84 months
- Up to
- 17.99% APR
- Discount
- None included
New Autos
Lowest rate
SecurCommunity Federal Credit Union
3.90%APR
- Terms
- 1–60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
Southern Security Federal Credit Union auto loan score
87
Auto loan score
Higher than 78% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southern Security 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.
Motorcycle
Conditions vary. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.99%–17.99% | Conditions vary. |
Sources (1)
- southernsecurity.org/rates · captured Oct 15, 2026
New Autos
Conditions vary. Finance qualifying new vehicles up to 84 months with no payment for 60 days (interest begins accruing on funding date). Finance up to 115% of vehicle value. Membership eligibility required ($25 deposit). Promotional deferred payment offer valid 07/01/2026 to 12/31/2026.
| Terms | APR | Conditions |
|---|---|---|
| 12–84 months | 4.50%–17.99% | Conditions vary. Terms 12 to 84 months available. Finance up to 115% of vehicle value. 60-day payment deferral available for qualifying loans funded 07/01/2026 to 12/31/2026. |
Sources (3)
All captured Oct 15, 2026
Used Autos
Conditions vary. Finance qualifying used vehicles up to 84 months with no payment for 60 days (interest begins accruing on funding date). Finance up to 115% of vehicle value. Membership eligibility required ($25 deposit). Promotional deferred payment offer valid 07/01/2026 to 12/31/2026.
| Terms | APR | Conditions |
|---|---|---|
| 12–84 months | 4.99%–18.00% | Conditions vary. Terms 12 to 84 months available. Finance up to 115% of vehicle value. 60-day payment deferral available for qualifying loans funded 07/01/2026 to 12/31/2026. |
Sources (3)
All captured Oct 15, 2026
Who can join Southern Security Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.