Auto Loans · Biloxi, Mississippi
4 credit unions in Biloxi report car loan rates to the NCUA. Rates range from 5.00% to 6.49%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
5.00%
Lowest New Car Rate
5.54%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | KEESLER ★ 4.4 · 462 reviews | 5.00% | 6.15% |
| 2 | WATER'S EDGE ★ 3.8 · 5 reviews | 5.16% | 3.96% |
| 3 | SOUTHERN COASTAL ★ 4.6 · 9 reviews | 5.50% | 6.50% |
| 4 | BILOXI TEACHERS | 6.49% | 5.00% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WATER'S EDGE ★ 3.8 · 5 reviews | 3.96% | 5.16% |
| 2 | BILOXI TEACHERS | 5.00% | 6.49% |
| 3 | KEESLER ★ 4.4 · 462 reviews | 6.15% | 5.00% |
| 4 | SOUTHERN COASTAL ★ 4.6 · 9 reviews | 6.50% | 5.50% |
A pre-approval from a Biloxi 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 Biloxi in the same window and take the best offer.
See member reviews, branch locations, and full rate details.