What is the typical credit union auto loan rate in South Carolina?

The median new auto loan rate South Carolina credit unions reported on their Q2 2026 call reports was 5.59%, and the median used auto rate was 6.69%. Nationally the medians were 5.46% and 6.32%.

Are these the rates I will get?

No. Each is the rate a credit union entered for that loan type on its call report to NCUA. Your rate depends on your credit, the term, the collateral and the date, and you have to be eligible to join. Use these to see who prices low, then check the credit union's own rate sheet.

Q2 2026 call reports

Credit union loan rates in South Carolina

South Carolina credit unions reported a median new auto loan rate of 5.59% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Tru Federal Credit Union reported the lowest, 2.75%.

These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.

Loan	South Carolina median	US median
New auto	5.59%	5.46%
Used auto	6.69%	6.32%
Credit card	11.75%	11.50%
Personal	13.00%	11.75%
Mortgage	6.25%	5.75%
Home equity	6.79%	6.75%

Lowest credit card rate reported in South Carolina: Greenville Heritage Federal Credit Union, 8.95%. Lowest first mortgage rate: S. C. State Federal Credit Union, 4.17%. (Same size rules as the national rankings.)

Every South Carolina credit union's reported rates

All 45 South Carolina credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.

Credit union	New auto	Used auto	Credit card	Personal	Mortgage	Home equity
Founders Federal Credit Union	5.74%	5.74%	17.90%	18.00%	5.75%	7.25%
South Carolina Federal Credit Union	4.99%	5.49%	15.74%	12.00%	6.25%	8.25%
SRP Federal Credit Union	6.79%	5.49%	11.75%	14.75%	6.50%	7.00%
Safe Federal Credit Union	5.74%	6.49%	12.49%	12.99%	6.38%	6.75%
Allsouth Federal Credit Union	5.39%	6.93%	–	12.94%	5.50%	7.23%
Palmetto Citizens Federal Credit Union	5.60%	7.34%	15.90%	14.34%	5.02%	6.58%
S. C. State Federal Credit Union	5.23%	7.33%	10.90%	14.96%	4.17%	6.53%
Sharonview Federal Credit Union	4.49%	4.74%	–	10.74%	5.57%	6.75%
Rev Federal Credit Union	6.25%	8.00%	13.40%	11.75%	7.75%	5.75%
Family Trust Federal Credit Union	5.59%	6.69%	16.45%	11.24%	5.50%	7.50%
CPM Federal Credit Union	5.24%	7.11%	12.33%	13.12%	4.63%	8.24%
Spero Financial Federal Credit Union	5.59%	8.00%	14.50%	12.89%	4.44%	7.01%
Greenville Federal Credit Union	5.75%	7.49%	12.46%	13.01%	5.00%	7.31%
Carolina Trust Federal Credit Union	6.25%	8.00%	13.25%	12.00%	6.25%	7.50%
MTC Federal Credit Union	4.25%	4.25%	9.90%	9.95%	6.25%	6.25%
SPC Credit Union	3.88%	5.87%	9.90%	9.85%	4.38%	5.78%
Carolina Foothills Federal Credit Union	4.24%	5.24%	9.90%	10.90%	6.30%	8.30%
Georgetown Kraft Credit Union	5.99%	5.99%	10.50%	18.00%	6.50%	6.75%
Mid Carolina Credit Union	5.83%	7.02%	9.90%	9.73%	5.43%	–
Greenville Heritage Federal Credit Union	3.99%	3.99%	8.95%	16.95%	4.45%	7.28%
Caro Federal Credit Union	7.95%	7.95%	10.96%	15.25%	9.75%	9.75%
Upstate Federal Credit Union	5.68%	9.12%	–	12.79%	6.90%	6.25%
South Carolina National Guard Federal Credit Union	7.49%	9.50%	11.90%	18.00%	–	8.75%
Santee Cooper Credit Union	5.22%	5.42%	11.34%	12.03%	6.76%	6.76%
Curis Financial Credit Union	6.09%	6.09%	–	9.99%	6.75%	6.75%
Latitude 32 Federal Credit Union	8.25%	8.25%	12.90%	13.70%	6.75%	6.75%
Nucor Employee's Credit Union	4.99%	5.99%	12.50%	18.00%	10.50%	–
Palmetto First Federal Credit Union	5.11%	6.55%	–	10.48%	6.75%	6.75%
Neighbors United Federal Credit Union	5.08%	6.44%	9.99%	10.72%	6.36%	6.81%
Tru Federal Credit Union	2.75%	3.75%	10.99%	12.00%	5.75%	7.75%
Secured Advantage Federal Credit Union	5.25%	6.60%	12.00%	11.95%	6.71%	7.23%
Dixies Federal Credit Union	6.21%	7.76%	14.90%	16.21%	5.88%	6.75%
Pee Dee Federal Credit Union	6.24%	6.24%	7.99%	18.00%	3.89%	4.25%
Hopesouth Federal Credit Union	7.70%	7.70%	11.00%	14.75%	–	–
Columbia Post Office Credit Union	6.75%	11.50%	–	15.00%	–	–
S C I Federal Credit Union	5.00%	5.75%	7.75%	9.00%	–	6.75%
Edisto Federal Credit Union	6.25%	8.25%	–	15.00%	7.00%	9.25%
Berkeley Community Federal Credit Union	6.00%	7.00%	–	13.00%	–	–
Anmed Federal Credit Union	5.78%	6.40%	8.90%	11.16%	–	–
Self Memorial Hospital Federal Credit Union	4.96%	5.99%	–	14.80%	–	–
Emerald Credit Association Federal Credit Union	4.28%	7.21%	–	14.72%	–	–
South Carolina Methodist Conf Credit Union	3.80%	6.80%	–	13.00%	5.50%	5.70%
Brookland Federal Credit Union	5.36%	8.17%	–	16.53%	–	–
S. C. H. D. Dist #7 Federal Credit Union	7.50%	12.00%	–	15.00%	–	–
Trinity Baptist Church Federal Credit Union	3.00%	5.50%	–	11.50%	–	–

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All South Carolina credit unions · Lowest rates nationally