Auto Loans · Orangeburg, South Carolina
2 credit unions in Orangeburg report car loan rates to the NCUA. Rates range from 6.25% to 7.50%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
6.25%
Lowest New Car Rate
6.88%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EDISTO ★ 5.0 · 15 reviews | 6.25% | 8.25% |
| 2 | S. C. H. D. DIST #7 ★ 5.0 · 7 reviews | 7.50% | 12.00% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | EDISTO ★ 5.0 · 15 reviews | 8.25% | 6.25% |
| 2 | S. C. H. D. DIST #7 ★ 5.0 · 7 reviews | 12.00% | 7.50% |
A pre-approval from a Orangeburg 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 Orangeburg in the same window and take the best offer.
See member reviews, branch locations, and full rate details.