Credit union · NCUA insured
Statewide Federal Credit Union Auto Loan Rates
Statewide 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 Statewide Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jackson, MS, where Statewide Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Statewide Federal Credit Union
4.99%APR
- Terms
- 49–66 months
- Up to
- 18.00% APR
New Autos
Lowest rate
Mississippi DHS FCU
3.49%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Veritas Federal Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
Statewide 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 Statewide 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.
Auto Loan Refinance
Refinance current vehicle loan. No payments for the first 90 days (interest begins to accrue when loan is disbursed). If current loan's payoff balance exceeds car's current value, borrower may be required to pay the difference. Flexible terms up to 72 or 84 months depending on schedule.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.49% | Advertised as low as rate for new auto refinance. Subject to credit approval; rates based on credit score and loan term. No payments for first 90 days. |
New Autos
Subject to credit approval. Interest rates based on the applicant's credit score and term of loan. Not all applicants will qualify for the lowest rate. Vehicle is considered new when it has never been titled or registered with the DMV or any other appropriate agency and the odometer has less than 6,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| 1–24 months | 3.49%–18.00% | Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit. |
| 25–36 months | 4.39%–18.00% | Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit. |
| 37–48 months | 4.69%–18.00% | Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit. |
| 49–66 months | 4.99%–18.00% | Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit. |
| 67–72 months | 5.59%–18.00% | Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit. |
| 73–78 months | 6.59%–18.00% | Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit. |
| up to 84 months | 7.59%–18.00% | Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit. |
Sources (3)
All captured Oct 22, 2026
Tesla Financing
Financing for new or used Tesla vehicles with flexible terms up to 84 months. No payments for the first 90 days. Loan approvals valid for 60 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.49% | Stated rate for new Tesla loan. Flexible terms up to 84 months. No payments for the first 90 days. Subject to credit approval. |
Sources (1)
- statewidefcu.org/auto-loans/tesla · captured Oct 22, 2026
Used Autos
Subject to credit approval. Interest rates based on the applicant's credit score and term of loan. Not all applicants will qualify for the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| 1–24 months | 3.49%–18.00% | Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit. |
| 25–36 months | 4.39%–18.00% | Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit. |
| 37–48 months | 4.69%–18.00% | Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit. |
| 49–66 months | 4.99%–18.00% | Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit. |
| 67–72 months | 5.59%–18.00% | Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit. |
Sources (3)
All captured Oct 22, 2026
Who can join Statewide Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the Friends of Flowood Library are eligible for membership.
- Retirees of any eligible group are eligible for membership.
- Members of The Jackson Zoological Society are eligible for membership.
Military, government and schools
- Federal, State, County, or City Government employees who work in Oktibbeha County, MS are eligible for membership.
- Members of the Mississippi State University Alumni Association are eligible for membership.
Family and household
- Family members (spouses, children, parents, grandchildren, grandparents, brothers, and sisters) of current Statewide members or persons eligible for Statewide membership are eligible to join.
1 more way to join
Family and household
- Surviving spouses of deceased members or potential members are eligible to join.
Membership information collected October 4, 2026.