Auto Loans · Ridgeland, Mississippi
2 credit unions in Ridgeland report car loan rates to the NCUA. Rates range from 4.49% to 7.49%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.49%
Lowest New Car Rate
5.99%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BRIGHTVIEW ★ 3.9 · 14 reviews | 4.49% | 5.74% |
| 2 | ECM ★ 5.0 · 3 reviews | 7.49% | 6.99% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BRIGHTVIEW ★ 3.9 · 14 reviews | 5.74% | 4.49% |
| 2 | ECM ★ 5.0 · 3 reviews | 6.99% | 7.49% |
A pre-approval from a Ridgeland 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 Ridgeland in the same window and take the best offer.
See member reviews, branch locations, and full rate details.