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On Tap Credit Union auto loan rates compared

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Colorado · Headquarters Colorado

Golden, CO-based credit union; membership required

Rate page on ontapcu.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 1 rate

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).LTV 80% or lessLTV 80% or less: Loan-to-value (loan amount vs. vehicle value) must be 80% or less.

5.24%and upNew48 months

COChecked Nov 11, 2026

What the lender published

Autos, starting APR (range 5.24%-21.00%). Published for a 48-month term. Assumes qualified credit, a loan-to-value of 80%, and automatic payment from an On Tap account. Effective October 1, 2026.

Checked Nov 11, 2026Source ontapcu.org

Calculate payment at 5.24% from On Tap Credit UnionVisit lender ↗