Auto Loans · Mississippi
54 credit unions in Mississippi report car loan rates to the NCUA. Rates range from 3.58% to 17.49%.
Updated Q1 2026 · NCUA Call Report data
54
CUs Reporting Rates
3.58%
Lowest New Car Rate
5.98%
State Average Rate
33
Cities Covered
54 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | PEARL MUNICIPAL Pearl | 3.58% | 7.55% |
| 2 | N. MISSISSIPPI HEALTH SERVICES EMP. Tupelo | 3.91% | 6.65% |
| 3 | HOPE JACKSON | 3.99% | 4.99% |
| 4 | GULF COAST COMMUNITY GULFPORT | 3.99% | 16.99% |
| 5 | CM MEMBERS Columbus | 4.00% | 5.00% |
| 6 | MISSISSIPPI COLLEGE EMPLOYEES Clinton | 4.09% | 9.26% |
| 7 | MISSISSIPPI DHS JACKSON | 4.25% | 4.25% |
| 8 | MERIDIAN POSTAL Meridian | 4.25% | 5.33% |
| 9 | BRIGHTVIEW RIDGELAND | 4.49% | 5.74% |
| 10 | MISSISSIPPI NATIONAL GUARD JACKSON | 4.50% | 4.50% |
| 11 | MERIDIAN MISSISSIPPI ANG MERIDIAN | 4.75% | 8.00% |
| 12 | MERIDIAN MUTUAL Meridian | 4.92% | 7.50% |
| 13 | SUNBELT Hattiesburg | 4.96% | 7.46% |
| 14 | FIRST NESHOBA Philadelphia | 4.99% | 5.99% |
| 15 | MISSISSIPPI PUBLIC EMPLOYEES Jackson | 4.99% | 4.99% |
| 16 | VICKSWOOD Vicksburg | 4.99% | 5.99% |
| 17 | MUTUAL Vicksburg | 4.99% | 5.19% |
| 18 | GULF TRUST PASCAGOULA | 4.99% | 5.24% |
| 19 | MAGNOLIA Jackson | 5.00% | 14.95% |
| 20 | KEESLER BILOXI | 5.00% | 6.15% |
| 21 | WATER'S EDGE Biloxi | 5.16% | 3.96% |
| 22 | EAGLE EXPRESS JACKSON | 5.18% | 7.00% |
| 23 | MEMORIAL GULFPORT | 5.20% | 6.39% |
| 24 | TOMBIGBEE AMORY | 5.25% | 9.50% |
| 25 | RIVERTRUST PEARL | 5.37% | 8.37% |
| 26 | MUW Columbus | 5.49% | 5.49% |
| 27 | MEMBERS EXCHANGE Jackson | 5.49% | 5.49% |
| 28 | SOUTHERN COASTAL BILOXI | 5.50% | 6.50% |
| 29 | TREASURY EMPLOYEES JACKSON | 5.50% | 7.35% |
| 30 | COMMUNITY PARTNERS NEWTON | 5.75% | 15.00% |
| 31 | NAVIGATOR Pascagoula | 5.99% | 6.74% |
| 32 | AMPOT HAMILTON | 6.00% | 7.00% |
| 33 | CHOCTAW CHOCTAW | 6.00% | 8.00% |
| 34 | HEALTHPLUS JACKSON | 6.00% | 14.00% |
| 35 | CAMP SHELBY Hattiesburg | 6.07% | 8.54% |
| 36 | PINE BELT Hattiesburg | 6.10% | 9.67% |
| 37 | ONE SOUTH NATCHEZ | 6.19% | 9.89% |
| 38 | TRIANGLE Columbus | 6.29% | 7.15% |
| 39 | BILOXI TEACHERS Biloxi | 6.49% | 5.00% |
| 40 | FIRST UNITY McComb | 6.50% | 14.90% |
| 41 | STATEWIDE Flowood | 6.55% | 8.20% |
| 42 | CENTURYFIRST HATTIESBURG | 6.64% | 10.67% |
| 43 | SINGING RIVER MOSS POINT | 6.74% | 7.49% |
| 44 | MISSISSIPPI HIGHWAY SAFTY PAT Jackson | 6.79% | 7.16% |
| 45 | 1ST MISSISSIPPI Meridian | 6.93% | 8.76% |
| 46 | JACKSON AREA Jackson | 7.00% | 14.00% |
| 47 | NORTHEAST MISSISSIPPI Amory | 7.00% | 8.00% |
| 48 | VICKSBURG RAILROAD Vicksburg | 7.10% | 16.00% |
| 49 | ECM RIDGELAND | 7.49% | 6.99% |
| 50 | CITIZENS CHOICE Natchez | 8.00% | 10.00% |
| 51 | SHELBY/BOLIVAR COUNTY BOYLE | 8.99% | 10.37% |
| 52 | NATCHEZ EDUCATORS Natchez | 10.00% | 12.00% |
| 53 | DELTA Greenville | 10.00% | 13.00% |
| 54 | FERGUSON Monticello | 17.49% | 17.49% |
55 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WATER'S EDGE Biloxi | 3.96% | 5.16% |
| 2 | MISSISSIPPI DHS JACKSON | 4.25% | 4.25% |
| 3 | MISSISSIPPI NATIONAL GUARD JACKSON | 4.50% | 4.50% |
| 4 | HOPE JACKSON | 4.99% | 3.99% |
| 5 | MISSISSIPPI PUBLIC EMPLOYEES Jackson | 4.99% | 4.99% |
| 6 | CM MEMBERS Columbus | 5.00% | 4.00% |
| 7 | BILOXI TEACHERS Biloxi | 5.00% | 6.49% |
| 8 | MUTUAL Vicksburg | 5.19% | 4.99% |
| 9 | GULF TRUST PASCAGOULA | 5.24% | 4.99% |
| 10 | MERIDIAN POSTAL Meridian | 5.33% | 4.25% |
| 11 | MUW Columbus | 5.49% | 5.49% |
| 12 | MEMBERS EXCHANGE Jackson | 5.49% | 5.49% |
| 13 | BRIGHTVIEW RIDGELAND | 5.74% | 4.49% |
| 14 | FIRST NESHOBA Philadelphia | 5.99% | 4.99% |
| 15 | VICKSWOOD Vicksburg | 5.99% | 4.99% |
| 16 | KEESLER BILOXI | 6.15% | 5.00% |
| 17 | MEMORIAL GULFPORT | 6.39% | 5.20% |
| 18 | SOUTHERN COASTAL BILOXI | 6.50% | 5.50% |
| 19 | N. MISSISSIPPI HEALTH SERVICES EMP. Tupelo | 6.65% | 3.91% |
| 20 | NAVIGATOR Pascagoula | 6.74% | 5.99% |
| 21 | ECM RIDGELAND | 6.99% | 7.49% |
| 22 | EAGLE EXPRESS JACKSON | 7.00% | 5.18% |
| 23 | AMPOT HAMILTON | 7.00% | 6.00% |
| 24 | TRIANGLE Columbus | 7.15% | 6.29% |
| 25 | MISSISSIPPI HIGHWAY SAFTY PAT Jackson | 7.16% | 6.79% |
| 26 | TREASURY EMPLOYEES JACKSON | 7.35% | 5.50% |
| 27 | SUNBELT Hattiesburg | 7.46% | 4.96% |
| 28 | SINGING RIVER MOSS POINT | 7.49% | 6.74% |
| 29 | MERIDIAN MUTUAL Meridian | 7.50% | 4.92% |
| 30 | PEARL MUNICIPAL Pearl | 7.55% | 3.58% |
| 31 | MERIDIAN MISSISSIPPI ANG MERIDIAN | 8.00% | 4.75% |
| 32 | CHOCTAW CHOCTAW | 8.00% | 6.00% |
| 33 | NORTHEAST MISSISSIPPI Amory | 8.00% | 7.00% |
| 34 | STATEWIDE Flowood | 8.20% | 6.55% |
| 35 | RIVERTRUST PEARL | 8.37% | 5.37% |
| 36 | CAMP SHELBY Hattiesburg | 8.54% | 6.07% |
| 37 | 1ST MISSISSIPPI Meridian | 8.76% | 6.93% |
| 38 | MISSISSIPPI COLLEGE EMPLOYEES Clinton | 9.26% | 4.09% |
| 39 | TOMBIGBEE AMORY | 9.50% | 5.25% |
| 40 | PINE BELT Hattiesburg | 9.67% | 6.10% |
| 41 | ONE SOUTH NATCHEZ | 9.89% | 6.19% |
| 42 | CITIZENS CHOICE Natchez | 10.00% | 8.00% |
| 43 | SHELBY/BOLIVAR COUNTY BOYLE | 10.37% | 8.99% |
| 44 | CENTURYFIRST HATTIESBURG | 10.67% | 6.64% |
| 45 | NATCHEZ EDUCATORS Natchez | 12.00% | 10.00% |
| 46 | ISSAQUENA COUNTY MAYERSVILLE | 12.00% | — |
| 47 | DELTA Greenville | 13.00% | 10.00% |
| 48 | HEALTHPLUS JACKSON | 14.00% | 6.00% |
| 49 | JACKSON AREA Jackson | 14.00% | 7.00% |
| 50 | FIRST UNITY McComb | 14.90% | 6.50% |
| 51 | MAGNOLIA Jackson | 14.95% | 5.00% |
| 52 | COMMUNITY PARTNERS NEWTON | 15.00% | 5.75% |
| 53 | VICKSBURG RAILROAD Vicksburg | 16.00% | 7.10% |
| 54 | GULF COAST COMMUNITY GULFPORT | 16.99% | 3.99% |
| 55 | FERGUSON Monticello | 17.49% | 17.49% |
Most community credit unions in Mississippi accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.