Credit union · NCUA insured
USA Federal Credit Union Auto Loan Rates
USA Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How USA Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Mobile, AL, where USA Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
USA Federal Credit Union
5.25%APR
- Terms
- up to 60 months
New Autos
Lowest rate
Navigator Credit Union
4.24%APR
- Terms
- up to 84 months
2nd-lowest rate
Azalea City Credit Union
4.39%APR
- Terms
- —
USA Federal Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where USA 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.
New Autos
Rates effective May 1, 2026. 84-month financing for loan amounts $40,000.00 and up. Subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | — |
| up to 48 months | 5.00% | — |
| up to 60 months | 5.25% | — |
| up to 72 months | 5.75% | — |
| up to 84 months | 6.50% | 84-Months financing for loan amounts $40,000.00 and up. |
Sources (1)
- southalabama.edu/departments/usafedcu/currentrates.html · captured Oct 7, 2026
Used Autos 2016-2019
Rates effective May 1, 2026. Subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.25% | — |
Sources (1)
- southalabama.edu/departments/usafedcu/currentrates.html · captured Oct 7, 2026
Used Autos 2020-2026
Rates effective May 1, 2026. 84-month financing for loan amounts $40,000.00 and up. Subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50% | — |
| up to 72 months | 6.00% | — |
| up to 84 months | 6.75% | 84-Months financing for loan amounts $40,000.00 and up. |
Sources (1)
- southalabama.edu/departments/usafedcu/currentrates.html · captured Oct 7, 2026
Who can join USA Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.