Auto Loans · Columbia, South Carolina
8 credit unions in Columbia report car loan rates to the NCUA. Rates range from 3.80% to 7.95%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
3.80%
Lowest New Car Rate
5.89%
City Average Rate
8 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SOUTH CAROLINA METHODIST CONF ★ 5.0 · 3 reviews | 3.80% | 6.80% |
| 2 | S. C. STATE ★ 3.9 · 49 reviews | 5.25% | 7.30% |
| 3 | PALMETTO CITIZENS ★ 4.4 · 107 reviews | 5.60% | 7.11% |
| 4 | ALLSOUTH ★ 3.8 · 133 reviews | 5.62% | 6.73% |
| 5 | SOUTH CAROLINA NATIONAL GUARD ★ 3.6 · 24 reviews | 6.04% | 11.50% |
| 6 | CURIS FINANCIAL ★ 5.0 · 174 reviews | 6.09% | 6.09% |
| 7 | COLUMBIA POST OFFICE ★ 3.0 · 4 reviews | 6.75% | 11.50% |
| 8 | CARO ★ 3.9 · 81 reviews | 7.95% | 7.95% |
8 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CURIS FINANCIAL ★ 5.0 · 174 reviews | 6.09% | 6.09% |
| 2 | ALLSOUTH ★ 3.8 · 133 reviews | 6.73% | 5.62% |
| 3 | SOUTH CAROLINA METHODIST CONF ★ 5.0 · 3 reviews | 6.80% | 3.80% |
| 4 | PALMETTO CITIZENS ★ 4.4 · 107 reviews | 7.11% | 5.60% |
| 5 | S. C. STATE ★ 3.9 · 49 reviews | 7.30% | 5.25% |
| 6 | CARO ★ 3.9 · 81 reviews | 7.95% | 7.95% |
| 7 | SOUTH CAROLINA NATIONAL GUARD ★ 3.6 · 24 reviews | 11.50% | 6.04% |
| 8 | COLUMBIA POST OFFICE ★ 3.0 · 4 reviews | 11.50% | 6.75% |
A pre-approval from a Columbia 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 Columbia in the same window and take the best offer.
See member reviews, branch locations, and full rate details.