Auto Loans · Jackson, Mississippi
11 credit unions in Jackson report car loan rates to the NCUA. Rates range from 3.99% to 7.00%.
Updated Q1 2026 · NCUA Call Report data
11
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.34%
City Average Rate
11 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HOPE ★ 2.9 · 35 reviews | 3.99% | 4.99% |
| 2 | MISSISSIPPI DHS ★ 1.8 · 67 reviews | 4.25% | 4.25% |
| 3 | MISSISSIPPI NATIONAL GUARD ★ 4.3 · 15 reviews | 4.50% | 4.50% |
| 4 | MISSISSIPPI PUBLIC EMPLOYEES | 4.99% | 4.99% |
| 5 | MAGNOLIA ★ 2.8 · 161 reviews | 5.00% | 14.95% |
| 6 | EAGLE EXPRESS ★ 4.1 · 18 reviews | 5.18% | 7.00% |
| 7 | MEMBERS EXCHANGE ★ 4.1 · 127 reviews | 5.49% | 5.49% |
| 8 | TREASURY EMPLOYEES | 5.50% | 7.35% |
| 9 | HEALTHPLUS ★ 5.0 · 10 reviews | 6.00% | 14.00% |
| 10 | MISSISSIPPI HIGHWAY SAFTY PAT ★ 3.3 · 4 reviews | 6.79% | 7.16% |
| 11 | JACKSON AREA ★ 4.0 · 99 reviews | 7.00% | 14.00% |
11 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MISSISSIPPI DHS ★ 1.8 · 67 reviews | 4.25% | 4.25% |
| 2 | MISSISSIPPI NATIONAL GUARD ★ 4.3 · 15 reviews | 4.50% | 4.50% |
| 3 | HOPE ★ 2.9 · 35 reviews | 4.99% | 3.99% |
| 4 | MISSISSIPPI PUBLIC EMPLOYEES | 4.99% | 4.99% |
| 5 | MEMBERS EXCHANGE ★ 4.1 · 127 reviews | 5.49% | 5.49% |
| 6 | EAGLE EXPRESS ★ 4.1 · 18 reviews | 7.00% | 5.18% |
| 7 | MISSISSIPPI HIGHWAY SAFTY PAT ★ 3.3 · 4 reviews | 7.16% | 6.79% |
| 8 | TREASURY EMPLOYEES | 7.35% | 5.50% |
| 9 | HEALTHPLUS ★ 5.0 · 10 reviews | 14.00% | 6.00% |
| 10 | JACKSON AREA ★ 4.0 · 99 reviews | 14.00% | 7.00% |
| 11 | MAGNOLIA ★ 2.8 · 161 reviews | 14.95% | 5.00% |
A pre-approval from a Jackson 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 Jackson in the same window and take the best offer.
See member reviews, branch locations, and full rate details.