Credit union · NCUA insured
Upstate FCU Auto Loan Rates
Upstate FCU auto loans start at 4.99% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Upstate FCU’s auto loan rates compare
Compared with banks and credit unions near Greenville, SC, where Upstate FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Upstate FCU
4.99%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
New Vehicles
Lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
2nd-lowest rate
Greenville Heritage Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
Upstate FCU auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Upstate FCU 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.
New Vehicles
Financing up to 100% of purchase price or NADA retail value, whichever is less. Down payment may be required. Rates based on creditworthiness and term of loan. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50%–18.00% | Terms up to 48 months. |
| up to 60 months | 4.99%–18.00% | Terms up to 60 months. |
| up to 72 months | 5.24%–18.00% | Terms up to 72 months. |
| up to 84 months | 5.49%–18.00% | Terms up to 84 months. |
Used Vehicles
Financing up to 100% of purchase price or NADA retail value, whichever is less. Down payment may be required. Rates based on creditworthiness, vehicle year, and term of loan. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99%–18.00% | Vehicle year 2020-2026; terms up to 48 months. |
| up to 60 months | 5.74%–18.00% | Vehicle year 2020-2026; terms up to 60 months. |
| up to 72 months | 6.24%–18.00% | Vehicle year 2020-2026; terms up to 72 months. |
| up to 84 months | 7.24%–18.00% | Vehicle year 2020-2026; terms up to 84 months. |
| up to 48 months | 6.00%–18.00% | Vehicle year Older-2019; terms up to 48 months. |
| up to 60 months | 6.25%–18.00% | Vehicle year Older-2019; terms up to 60 months. |
| up to 72 months | 6.75%–18.00% | Vehicle year Older-2019; terms up to 72 months. |
| up to 84 months | 7.50%–18.00% | Vehicle year Older-2019; terms up to 84 months. |
Who can join Upstate FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.