Credit union · NCUA insured
White County FCU Auto Loan Rates
White County FCU auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How White County FCU’s auto loan rates compare
Compared with banks and credit unions near Searcy, AR, where White County FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
White County FCU
4.99%APR
- Terms
- up to 60 months
Auto Loans
2nd-lowest rate
Arkansas Federal Credit Union
5.44%APR
- Terms
- up to 60 months
White County FCU auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where White County 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.
Auto Loans
Rates are based on creditworthiness and loan term. Rates are subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | New vehicles, model years 2025-2027. Rate based on creditworthiness and term of loan. |
| 61–72 months | 5.39% | New vehicles, model years 2025-2027. Rate based on creditworthiness and term of loan. |
| 73–84 months | 5.79% | New vehicles, model years 2025-2027. Rate based on creditworthiness and term of loan. |
| up to 60 months | 5.49% | Used vehicles, model years 2023-2027. Rate based on creditworthiness and term of loan. |
| 61–72 months | 5.89% | Used vehicles, model years 2023-2027. Rate based on creditworthiness and term of loan. |
| 73–84 months | 6.29% | Used vehicles, model years 2023-2027. Rate based on creditworthiness and term of loan. |
| up to 60 months | 5.99% | Used vehicles, model years 2020-2022. Rate based on creditworthiness and term of loan. |
| 61–66 months | 6.39% | Used vehicles, model years 2020-2022. Rate based on creditworthiness and term of loan. |
| up to 60 months | 6.39% | Used vehicles, model years 2017-2019. Rate based on creditworthiness and term of loan. |
| up to 54 months | 6.79% | Used vehicles, model years 2014-2016. Rate based on creditworthiness and term of loan. |
| up to 48 months | 7.29% | Used vehicles, model years 2011-2013. Rate based on creditworthiness and term of loan. |
| up to 42 months | 7.79% | Used vehicles, model years 2010 and older. Rate based on creditworthiness and term of loan. |
Sources (3)
All captured Oct 7, 2026
Who can join White County FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of approved Select Employee Groups (SEGs) and employees of this credit union are eligible for membership.
Military, government and schools
- Federal, State, District, & Municipal employees working in White County are eligible for membership.
- White County Government Employees are eligible for membership.
Family and household
- Individuals related by marriage or blood to an existing member, or immediate family members of an employee at an eligible group, qualify for membership.
- Spouses of deceased members, retirees/annuitants of eligible employment, immediate family/household members of credit union employees, and related organizations qualify for membership.
Other ways
- Members of Record of MOARK Federal Credit Union #24436 as of 12/31/2000 are eligible for membership.
Cost to join
- A deposit of $25 establishes a Share (Savings) Account and credit union membership.
Membership information collected October 4, 2026.