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Top credit unions in Mississippi ranked by best APR.

Sort the best APR by loan type, and see how these rates affect car payments in our Mississippi car payment calculator.

Car rates are for 72 months. The rates listed are the best offered by the top credit unions in MS for A-tier credit scores.
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The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
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Sort rates by clicking the top of the list.

Best Credit Unions in Mississippi

Rank	Credit Union	Car APR	Home APR	CC APR	Locations
1	Statewide				5
2	Navigator				12
3	Keesler				39
4	Sunbelt				11
5	Hope				26

Statewide Federal Credit Union
SFCU was established in 1949 and has 25,000 members at 5 credit unions in Mississippi. The first members were employees at the US Department of Agriculture.

The main field of membership includes USDA employees in MS, but all residents in Mississippi can join via the Friends of Flowood.

Statewide FCU ranks #1 on our 2025 credit union list for competitive rates on all loan types with top customer service.

Financing offers include homes, cars, boats, motorcycles, RVs, ATVs, farm equipment, and more.

Headquarters: 295 East Layfair Dr, Flowood, MS 39232

Navigator Credit Union
NCU was established in 1939 and serves over 50,000 customers at 12 locations in Mississippi.

The first members were coastal farmers and fishermen taking employment as shipbuilders on the east bank of the Pascagoula River.

The field of membership includes employees of the Ingalls Shipbuilding Company, and residents of the areas listed in the ways to join NCU.

Headquarters: 6012 Highway 63, Moss Point, MS 39563

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Keesler Federal Credit Union
KFCU was founded in 1947. It's the largest credit union in Mississippi with over 325,000 clients at 39 branches. The first members were new recruits at Keesler Air Force Base.

The field of membership includes the counties of Forrest, Pearl River, Harrison or Hancock; Military at Keesler AFB; and employees of the businesses written in the ways to join KFCU.

Headquarters: 2602 Pass Rd, Biloxi, MS 39531

Sunbelt Federal Credit Union
Sunbelt FCU was founded in 1953 and serves 40,000 customers at 11 locations in MS. The first members were carpenters building entry doors for the Masonite Company.

The field of membership includes residents of the communities surrounding Sunbelt branch locations.

Headquarters: 6885 US 49 S, Hattiesburg, MS 39402

Hope Credit Union
HCU was established in 1995 and has over 40,000 members at 26 branches in Mississippi.

Anyone can join by opening a checking account.

Headquarters: 4 Old River Pl, Jackson, MS 39202