Credit union · NCUA insured
SRP Federal Credit Union Auto Loan Rates
SRP Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How SRP Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Augusta, GA-SC, where SRP Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SRP Federal Credit Union
4.99%APR
- Terms
- 49–60 months
- Up to
- —
New Vehicle (2024 or Newer)
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
SRP Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- 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 SRP 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.
Collectors Classic (25 Years or Older Model)
Membership required. All loans subject to credit approval. Rates vary based on credit history and other factors. Minimum amount financed is $10,000 for 49-60 months. Additional terms and conditions apply for vehicles with mileage in excess of 100,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.59% | Rate is as low as 6.59% APR. |
| 37–48 months | 7.59% | Rate is as low as 7.59% APR. |
| 49–60 months | 9.09% | Rate is as low as 9.09% APR. Minimum amount financed is $10,000. |
Sources (1)
- srpfcu.org/borrow/auto-loans · captured Oct 15, 2026
New Vehicle (2024 or Newer)
Membership required. All loans subject to credit approval. Rates vary based on credit history and other factors. Minimum amount financed is $10,000 for 49-60 months, $15,000 for 61-72 months, and $25,000 for 73-84 months. For model years 2024 or newer with greater than 48,000 miles, Used Auto Model Years 2020-2023 rates apply. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Rate is as low as 4.99% APR. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
| 37–48 months | 4.99% | Rate is as low as 4.99% APR. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
| 49–60 months | 4.99% | Rate is as low as 4.99% APR. Minimum amount financed is $10,000. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
| 61–72 months | 5.99% | Rate is as low as 5.99% APR. Minimum amount financed is $15,000. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
| 73–84 months | 6.99% | Rate is as low as 6.99% APR. Minimum amount financed is $25,000. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
Sources (1)
- srpfcu.org/borrow/auto-loans · captured Oct 15, 2026
Used (2013-2019 Model)
Membership required. All loans subject to credit approval. Rates vary based on credit history and other factors. Minimum amount financed is $10,000 for 49-60 months. Additional terms and conditions apply for vehicles with mileage in excess of 100,000 miles. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Rate is as low as 4.99% APR. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
| 37–48 months | 4.99% | Rate is as low as 4.99% APR. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
| 49–60 months | 4.99% | Rate is as low as 4.99% APR. Minimum amount financed is $10,000. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
Sources (1)
- srpfcu.org/borrow/auto-loans · captured Oct 15, 2026
Used (2020-2023 Model)
Membership required. All loans subject to credit approval. Rates vary based on credit history and other factors. Minimum amount financed is $10,000 for 49-60 months, $15,000 for 61-72 months, and $25,000 for 73-84 months. Additional terms and conditions apply for vehicles with mileage in excess of 100,000 miles. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Rate is as low as 4.99% APR. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
| 37–48 months | 4.99% | Rate is as low as 4.99% APR. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
| 49–60 months | 4.99% | Rate is as low as 4.99% APR. Minimum amount financed is $10,000. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
| 61–72 months | 5.99% | Rate is as low as 5.99% APR. Minimum amount financed is $15,000. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
| 73–84 months | 6.99% | Rate is as low as 6.99% APR. Minimum amount financed is $25,000. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU. |
Sources (1)
- srpfcu.org/borrow/auto-loans · captured Oct 15, 2026
Who can join SRP Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any business physically located in Aiken, Allendale, Barnwell, or Edgefield County in South Carolina or Burke, Columbia, Jefferson, Lincoln, McDuffie, or Richmond County in Georgia is eligible for membership.
Membership information collected October 4, 2026.