Credit union · NCUA insured
WinSouth Credit Union Auto Loan Rates
Top CarrotWinSouth Credit Union auto loans start at 5.00% APR for a new vehicle and 5.15% for a used one. Rates checked October 22, 2026.
How WinSouth Credit Union’s auto loan rates compare
Compared with banks and credit unions near Birmingham, AL, where WinSouth Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
WinSouth Credit Union
5.00%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
ASE Credit Union
2.99%APR
- Terms
- up to 84 months
2nd-lowest rate
AOD Federal Credit Union
2.74%APR
- Terms
- up to 75 months
WinSouth Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where WinSouth 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.
Motorcycles & Side by Sides
Minimum amount is $3,000. Subject to membership and credit approval. Rates represent the lowest possible rate for each term and vary based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 6.25% | Lowest possible rate; rates vary based on creditworthiness. Minimum amount $3,000. |
| up to 36 months | 6.25% | Lowest possible rate; rates vary based on creditworthiness. Minimum amount $3,000. |
| up to 48 months | 6.50% | Lowest possible rate; rates vary based on creditworthiness. Minimum amount $3,000. |
| up to 60 months | 6.75% | Lowest possible rate; rates vary based on creditworthiness. Minimum amount $3,000. |
| up to 72 months | 7.25% | Lowest possible rate; rates vary based on creditworthiness. Minimum amount $3,000. |
Sources (1)
- winsouthcu.com/loans/personal-loans/auto-loan.html · captured Oct 5, 2026
New Auto Loans
Minimum loan amount is $3,000. Subject to membership and credit approval. Rates represent the lowest possible rate for each term and vary based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 4.85% | Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000. |
| up to 36 months | 4.85% | Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000. |
| up to 48 months | 4.85% | Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000. |
| up to 60 months | 5.00% | Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000. |
| up to 72 months | 5.25% | Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000. |
| up to 84 months | 5.90% | Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000. |
Sources (1)
- winsouthcu.com/loans/personal-loans/auto-loan.html · captured Oct 5, 2026
Used Auto Loans
Minimum loan amount is $3,000. Subject to membership and credit approval. Rates represent the lowest possible rate for each term and vary based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 5.00% | Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000. |
| up to 36 months | 5.00% | Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000. |
| up to 48 months | 5.00% | Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000. |
| up to 60 months | 5.15% | Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000. |
| up to 72 months | 5.40% | Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000. |
| up to 84 months | 6.05% | Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000. |
Sources (1)
- winsouthcu.com/loans/personal-loans/auto-loan.html · captured Oct 5, 2026
Who can join WinSouth Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.