Published new-vehicle APRs from credit unions and banks, straight from each lender’s own site.
Lowest match
3.09%
Avg credit union
5.19%
Lenders tracked
82
539 rates from 82 lenders
Top 4 of 228 rates
3.09%NewTerm not listed
IL
The source does not assign this APR to a term.
Auto Buying Service rate, 2025 and newer models; APR as low as when buying through BCU's auto buying service. Term not listed.
Checked Nov 11, 2026Source bcu.org
3.39%New36 months
Nationwide
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
Checked Nov 10, 2026Source penfed.org
3.99%NewUp to 36 months
TX
Published as Up to 36 months, not as a single monthly term.
36-month special rate; same rate for new, used and refinance. Lowest rate includes up to 1.00% in combined discounts (credit life and disability insurance, extended service contract, existing FCCU auto loan, First Rewards Checking, FCCU Visa card). Advertised as up to 36 months.
Checked Nov 11, 2026Source fccu.org
3.99%NewUp to 63 months
IL
Published as Up to 63 months, not as a single monthly term.
APR as low as for the site's default location; same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source glcu.org
67 rates
3.79%New48 months
Nationwide
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.
Checked Nov 10, 2026Source penfed.org
3.99%NewUp to 63 months
IL
Published as Up to 63 months, not as a single monthly term.
APR as low as for the site's default location; same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source glcu.org
4.09%NewUp to 60 months
Nationwide
Published as Up to 60 months, not as a single monthly term.
APR as low as; based on collateral, term, down payment and creditworthiness. Rates effective September 18, 2026. Separate qualifying discounts of up to 0.90% may lower the rate further. Advertised as up to 60 months.
Checked Nov 11, 2026Source aacreditunion.org
4.24%NewUp to 48 months
TX
Published as Up to 48 months, not as a single monthly term.
Rate valid up to 48 months; lowest rate includes up to 1.00% in combined discounts (insurance, service contract, existing auto loan, checking, Visa card). Advertised as up to 48 months.
Checked Nov 11, 2026Source fccu.org
4.34%New37–75 months
IL
Published as 37–75 months, not as its own 75-month price.
APR as low as, 2025 and newer models. Advertised as 37-75 months.
Checked Nov 11, 2026Source bcu.org
4.39%New48 months
Nationwide
As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.
Checked Nov 10, 2026Source penfed.org
4.49%NewUp to 60 months
TX
Published as Up to 60 months, not as a single monthly term.
Go Beyond: Member Giveback limited-time rate through Dec. 31, 2026, for well-qualified borrowers; new, used and refinance. Advertised as up to 60 months.
Checked Nov 11, 2026Source rbfcu.org
4.49%NewUp to 48 months
TX
Published as Up to 48 months, not as a single monthly term.
Excellent credit tier rate (published tiers run to 16.75% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as up to 48 months.
Checked Nov 11, 2026Source ufcu.org
4.49%NewUp to 60 months
IL
Published as Up to 60 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Includes a 0.50% discount for buying at a certified dealer through CCU's Car Buying Service; assumes automatic payment. 2025 and newer models. Rates effective October 12, 2026. Advertised as 0-60 months.
Checked Nov 11, 2026Source myconsumers.org
4.49%and upNewUp to 60 months
IL
Published as Up to 60 months, not as a single monthly term.
Regular rate range 4.49%-17.49%; assumes loan-to-value of 100% or less and term of 60 months or less. Not all borrowers qualify for the lowest rate. Advertised as up to 60 months.
Checked Nov 11, 2026Source alerofinancial.org
4.59%New37–60 months
Nationwide
Published as 37–60 months, not as its own 60-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 37-60 months.
Checked Nov 10, 2026Source navyfederal.org
4.59%NewUp to 48 months
TX
Published as Up to 48 months, not as a single monthly term.
APR as low as for model years 2023-2027, based on vehicle year and credit (disclosure example is the A+ tier). Rates accurate as of November 10, 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source gecu.com
4.69%and upNew48 months
CA
The published figure may include an autopay, direct-deposit, or relationship discount.
Effective as of 11/10/2026. Range of rates. Lowest rate includes a 0.75% discount for automatic transfer from a SchoolsFirst FCU account.
Checked Nov 10, 2026Source schoolsfirstfcu.org
4.89%NewUp to 48 months
CA · AZ · NV
Published as Up to 48 months, not as a single monthly term.
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Advertised as up to 48 months.
Checked Nov 11, 2026Source sdccu.com
4.89%NewUp to 66 months
CA · AZ · NV
Published as Up to 66 months, not as a single monthly term.
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source sdccu.com
4.99%New48 months
RI · MA
Effective as of November 2, 2026. Advertised rates are the lowest available. Rates determined by credit history, loan term, and payment method. New auto rates.
Checked Nov 10, 2026Source wavefcu.org
4.99%New48 months
MN
APR as low as, based on a final LTV of less than 70% (rate increases at higher LTVs). New or existing Affinity Plus membership required. 84-month minimum loan amount is $25,000. Maximum interest rate for this loan type is 18% APR. New auto, model years 2025-2026.
Checked Nov 10, 2026Source affinityplus.org
4.99%NewUp to 66 months
MA · NH
Published as Up to 66 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as APR, and includes a 0.500% discount for automatic payments from any Workers checking account. Page states rates effective as of 6/26/2025 and subject to change; these are the figures still published on the official page on 2026-11-10. Subject to credit approval. Minimum monthly payment of $150 or the payment per $1,000, whichever is greater. Bucket labeled New-2021; up to 66 months.
Checked Nov 10, 2026Source wcu.com
4.99%New37–48 months
CA
Published as 37–48 months, not as its own 48-month price.
APR as low as (best rates; your rate may be higher based on credit). Model year 2022 and newer; also applies to lease buyout and refinance. Advertised as 37-48 months.
Checked Nov 11, 2026Source missionfed.com
4.99%NewUp to 66 months
FL
Published as Up to 66 months, not as a single monthly term.
Vehicles up to 15 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source eglinfcu.org
4.99%NewUp to 60 months
NY
Published as Up to 60 months, not as a single monthly term.
Minimum loan $10,000.
APR as low as; assumes excellent credit. Minimum loan $10,000 up to 60 months ($20,000 to 72, $30,000 to 84). Only vehicles from franchise dealers or TrueCar Certified, Carvana, CarMax or Hertz Car Sales. Advertised as up to 60 months.
Checked Nov 11, 2026Source nymcu.org
4.99%New37–60 months
PA
Published as 37–60 months, not as its own 60-month price.
2022 and newer models (new or used). APR as low as. Rates effective 10/16/2026. Advertised as 37-60 months.
Checked Nov 11, 2026Source uecu.org
4.99%NewUp to 66 months
IL
Published as Up to 66 months, not as a single monthly term.
2024 and newer models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 66 months.
Checked Nov 11, 2026Source cefcu.com
4.99%NewUp to 60 months
IL
Published as Up to 60 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Without Car Buying Service; assumes automatic payment. 2025 and newer models. Rates effective October 12, 2026. Advertised as 0-60 months.
Checked Nov 11, 2026Source myconsumers.org
4.99%NewUp to 63 months
MO
Published as Up to 63 months, not as a single monthly term.
Best rates; may be higher based on underwriting. Minimum loan $15,000 for 75 months and $25,000 for 84 months. Advertised as up to 63 months.
Checked Nov 11, 2026Source togethercu.org
5.05%New24–66 months
FL
Published as 24–66 months, not as its own 66-month price.
APR as low as, current as of 11/04/2026; based on vehicle year, underwriting and amount borrowed. A loan processing fee of 2% (min $30, max $85) applies and affects the APR. Advertised as 24-66 months.
Checked Nov 11, 2026Source additionfi.com
5.09%New48 months
Nationwide
Minimum loan $5,000.
As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.
Checked Nov 10, 2026Source andrewsfcu.org
5.09%and upNewUp to 84 months
CA
Published as Up to 84 months, not as a single monthly term.
Fixed APR range 5.09%-9.09% based on credit qualification; same rate for 3- to 7-year terms. Promotional rates do not apply to refinancing existing Star One loans. Advertised as up to 84 months.
Checked Nov 11, 2026Source starone.org
5.09%New48 months
FL
APR for applications made directly at a FAIRWINDS branch or FAIRWINDS.org; based on creditworthiness, loan-to-value and vehicle type. Last updated 11/01/2026. Advertised as 48 months.
Checked Nov 11, 2026Source fairwinds.org
5.19%and upNewUp to 48 months
CA
Published as Up to 48 months, not as a single monthly term.
Rates effective 11/03/2026. Range of APR. Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV may be higher. Mileage over 100k adds 0.50%. Used auto also covers auto loan refinance in the same table. New auto: 2025 or newer, up to 140% financing. Used auto: 2024-2016, up to 140% of Blue Book, maximum 150,000 miles. Advertised as 0 to 48 months.
Checked Nov 10, 2026Source patelco.org
5.19%NewUp to 78 months
CA · AZ · NV
Published as Up to 78 months, not as a single monthly term.
Minimum loan $15,000.
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Minimum $15,000 loan for terms over 66 months. Advertised as up to 78 months.
Checked Nov 11, 2026Source sdccu.com
5.20%and upNew1–60 months
MO
Published as 1–60 months, not as its own 60-month price.
2025-2027 new vehicles (under 15,000 miles); APR range 5.20%-14.89% for 49-60 months (5.20%-13.89% up to 48). Max LTV 140%. Rates effective July 16, 2026. Advertised as 1-60 months.
Checked Nov 11, 2026Source mocentral.org
5.24%and upNewUp to 84 months
TX
Published as Up to 84 months, not as a single monthly term.
APR range 5.24%-18.00% for 0-84 month terms, as of 11/01/2026; based on credit history, collateral and loan to value. Advertised as up to 84 months.
Checked Nov 11, 2026Source rallycu.com
5.24%New48 months
MO
New/used auto APR as low as. Advertised as 48 months.
Checked Nov 11, 2026Source alltrucu.org
5.31%NewUp to 60 months
FL
Published as Up to 60 months, not as a single monthly term.
APR as low as for 2026-2027 model years (rate is set by model year, not new/used status). Additional rates and terms available. Advertised as up to 60 months.
Checked Nov 11, 2026Source campuscu.com
5.39%New48 months
MO
New car, model years 2024-2027; APR as low as, as of Nov 11, 2026. Advertised as 48 months.
Checked Nov 11, 2026Source westcommunitycu.org
5.49%New48 months
RI · CT
Effective as of 10/11/2026. Rates are for members with an 'A' credit score of 720 or above and include a 1.00% reduction for full loan payments automatically deducted from a WCCU checking account, scheduled at loan closing. Refinancing for new loans only. New auto max LTV 125%. New/used 2021 or newer require mileage of 125,000 or less; 125,001-150,000 miles add 0.50% to the qualifying rate. New auto loans, 2025 and newer.
Checked Nov 10, 2026Source westerlyccu.com
5.49%NewUp to 63 months
MA · RI
Published as Up to 63 months, not as a single monthly term.
As low as; advertised APR is the lowest available. Table effective date October 15, 2026. New vehicle: less than 5,000 miles, model years 2025-2027. Up to 125% financing may be available. Rate, term, and approved loan amount may vary based on creditworthiness. Rates are subject to change without notice. Advertised as up to 63 months.
Checked Nov 10, 2026Source scucu.com
5.49%NewUp to 74 months
FL
Published as Up to 74 months, not as a single monthly term.
Vehicles up to 10 years old. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 74 months.
Checked Nov 11, 2026Source eglinfcu.org
5.49%NewUp to 75 months
MO
Published as Up to 75 months, not as a single monthly term.
Minimum loan $15,000.
Best rates; may be higher based on underwriting. Minimum loan $15,000 for 75 months and $25,000 for 84 months. Advertised as up to 75 months.
Checked Nov 11, 2026Source togethercu.org
5.69%New48 months
ID
Interest rate as low as. New vs used was not broken out on the auto rate table, so the same published starting rates are listed for both new and used.
Checked Nov 10, 2026Source iccu.com
5.69%and upNew48 months
Nationwide
The published figure may include an autopay, direct-deposit, or relationship discount.
Minimum loan $7,500.
Rates effective as of 07-01-2026. APR depends on credit rating, collateral value, amount financed, and other criteria. Used vehicles must be 10 model years or newer with 150,000 miles or fewer. Minimum loan $7,500. Model year 2023 and newer; table shows term 24-84 months and rate 5.69-14.29%. A disclosure states 5.69% APR is for a 24-48 month term with minimum 780 FICO and includes a 0.40% autopay discount from a Credit Human checking account. 79-84 month terms require minimum 680 FICO and $25,000 financed. Recorded term is the top of the 24-48 month bucket that the 5.69% disclosure applies to.
Checked Nov 10, 2026Source credithuman.com
5.69%and upNew1–63 months
PA
Published as 1–63 months, not as its own 63-month price.
Minimum loan $1,000.
New and used, 2023 model year and newer. APR as low as (range 5.69%-12.14%); may increase with model year, term, front-end LTV over 90% and credit. Add 0.25% for coupon payments. Valid as of 11/11/2026. Minimum loan $1,000. Advertised as 1-63 months.
Checked Nov 11, 2026Source psecu.com
5.74%New48 months
Nationwide
APR as low as, from the official Auto Loan Rates table. Up to 100% financing. New, used, or refinanced are introduced together; model-year buckets below were recorded as new (2023 & newer) or used (older years). Refinance is offered but not given a separate rate table. Model year 2023 and newer.
Checked Nov 10, 2026Source wingscu.com
5.74%NewUp to 48 months
FL
Published as Up to 48 months, not as a single monthly term.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 48 months.
Checked Nov 10, 2026Source sccu.com
5.74%NewUp to 84 months
FL
Published as Up to 84 months, not as a single monthly term.
Minimum loan $20,000.
Vehicles up to 10 years old, $20,000 minimum. APR as low as, same for new or used; rate determined by credit. Current as of November 11, 2026. Advertised as up to 84 months.
Checked Nov 11, 2026Source eglinfcu.org
5.74%NewUp to 63 months
PA
Published as Up to 63 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
2024-2026 model years. APR with payroll deduction or automatic payment from an American Heritage account (add 0.25% without). Effective November 11, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source americanheritagecu.org
5.74%New48 months
PA
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Advertised as 48 months.
Checked Nov 11, 2026Source clearviewfcu.org
5.79%NewUp to 63 months
PA
Published as Up to 63 months, not as a single monthly term.
2024-2027 model years; actual APR depends on creditworthiness; mileage up to 100,000. Effective September 21, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source trumark.com
5.84%New48 months
Nationwide
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as, accurate as of 11/10/2026. Rates include a 1% discount for Digital Banking and eStatements and a 1% discount for electronic autopay. Individual rates include all eligible discounts. Does not apply to loans currently financed at Connexus. Model year 2025 or newer. Also applies to cars, trucks, SUVs, and motorcycles.
Checked Nov 10, 2026Source connexuscu.org
5.89%NewUp to 72 months
FL
Published as Up to 72 months, not as a single monthly term. The source also includes a payment example.
Rates effective as of November 1, 2026. As low as APR. Rates based on credit score. Rates differ for first-time buyers or if a co-signer is required. Other rates and terms available for vehicles not listed. Payment example: a 72-month loan of $30,000 with an interest rate of 5.74% and APR of 5.89% would have monthly payments of $493.50. 2025 and newer autos; term up to 72 months.
Checked Nov 10, 2026Source midflorida.com
5.89%NewUp to 63 months
MO
Published as Up to 63 months, not as a single monthly term.
2025-2027 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as up to 63 months.
Checked Nov 11, 2026Source stlouiscommunity.com
5.94%New48 months
TX
APR as low as; model year 2023-2027; purchases only.
Checked Nov 11, 2026Source eecu.org
5.99%NewUp to 66 months
RI · MA
Published as Up to 66 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 66 months.
Checked Nov 10, 2026Source navigantcu.org
5.99%New37–60 months
VA
Published as 37–60 months, not as its own 60-month price.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. New car loans, advertised as 37-60 months.
Checked Nov 10, 2026Source langleyfcu.org
5.99%New48 months
MA · NH
The published figure may include an autopay, direct-deposit, or relationship discount.
As low as; rates as of 9/26/2026. 5.99% APR is based on personal credit history. Stated rates are 0.50% higher without automatic payments from a JDCU account. All auto loans include an additional $63 VSI charge, and a $5.00 membership account is required. The rate table includes 2021-2016 vehicles with a maximum term of 65 months; a FAQ on the same page says the credit union cannot finance a vehicle from 2016 or older. The table values were recorded, and this FAQ wording conflict is noted. Model years 2026-2022.
Checked Nov 10, 2026Source jdcu.org
5.99%NewUp to 66 months
FL
Published as Up to 66 months, not as a single monthly term.
Minimum loan $10,000.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 66 months.
Checked Nov 10, 2026Source sccu.com
5.99%NewUp to 84 months
NY
Published as Up to 84 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Current and previous 3 calendar-year vehicles. Promotional relationship rate effective November 1-30, 2026; requires automatic payment on the new loan (add 0.25% without it). Up to 115% financing for qualified borrowers. Advertised as up to 84 months.
Checked Nov 11, 2026Source visionsfcu.org
6.10%New48 months
TX
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest rate for a 48-month term; includes a 0.25% discount for recurring direct deposit of $500 or more per month. Terms 48-84 months; rate determined by term and credit score.
Checked Nov 11, 2026Source tdecu.org
6.19%NewUp to 84 months
CA · AZ · NV
Published as Up to 84 months, not as a single monthly term.
Minimum loan $25,000.
New auto model years 2025-2027. As low as for qualified borrowers, loan amounts up to 120% of retail value. Effective November 10, 2026. Minimum $25,000 loan for terms over 78 months. Advertised as up to 84 months.
Checked Nov 11, 2026Source sdccu.com
6.24%NewUp to 66 months
MA · NH
Published as Up to 66 months, not as a single monthly term.
Page heading says 'Accurate as of March 11, 2026' and still displayed these figures when checked on 2026-11-10. Rate determination based on credit history. Minimum loan amount $20,000 for terms over 72 months. Maximum mileage 100,000. Rates not available for existing Metro loans. New vehicles have 5,000 miles or less. New/used 2022-2026; up to 66 months. Also recorded as used for the same bucket.
Checked Nov 10, 2026Source metrocu.org
6.28%NewUp to 60 months
NY
Published as Up to 60 months, not as a single monthly term.
Rate table for 2023-2027 model-year vehicles; based on credit history. Same APR for 12-60 months. Advertised as up to 60 months.
Checked Nov 11, 2026Source jovia.org
6.34%NewUp to 75 months
RI · MA
Published as Up to 75 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 75 months.
Checked Nov 10, 2026Source navigantcu.org
6.49%NewUp to 75 months
FL
Published as Up to 75 months, not as a single monthly term.
Minimum loan $12,000.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 75 months.
Checked Nov 10, 2026Source sccu.com
6.49%NewUp to 84 months
MO
Published as Up to 84 months, not as a single monthly term.
Minimum loan $25,000.
Best rates; may be higher based on underwriting. Minimum loan $15,000 for 75 months and $25,000 for 84 months. Advertised as up to 84 months.
Checked Nov 11, 2026Source togethercu.org
6.74%NewUp to 84 months
FL
Published as Up to 84 months, not as a single monthly term.
Minimum loan $20,000.
Effective date October 1, 2026. As low as fixed APR for vehicle model years 2024 and newer. Actual rate affected by creditworthiness, term, vehicle type, and model year. Florida loans subject to Documentary Stamp Tax, not included in quoted APR. Auto loan purchase; advertised as up to 84 months.
Checked Nov 10, 2026Source sccu.com
7.34%NewUp to 84 months
RI · MA
Published as Up to 84 months, not as a single monthly term.
The published figure may include an autopay, direct-deposit, or relationship discount.
Lowest available rates; include a 0.25% autopay discount from a Navigant checking account. Rates effective as of today's date; depend on term and credit history. NEW 2025-2026; advertised as up to 84 months.
Checked Nov 10, 2026Source navigantcu.org
| Compare | Rate (APR) ↑ | Lender | Term | Type | Where | Restriction / note | |
|---|---|---|---|---|---|---|---|
| 3.79% | PenFed Credit Union | 48 months | New | Nationwide | TrueCar dealer only | Visit lender ↗ | |
| 3.99% | Great Lakes Credit Union | Up to 63 months | New | IL | Standard rate | Visit lender ↗ | |
| 4.09% | American Airlines Federal Credit Union | Up to 60 months | New | Nationwide | airline industry members only | Visit lender ↗ | |
| 4.24% | First Community Credit Union (Houston) | Up to 48 months | New | TX | with bundled discounts | Visit lender ↗ | |
| 4.34% | BCU (Baxter Credit Union) | 37–75 months | New | IL | Standard rate | Visit lender ↗ | |
| 4.39% | PenFed Credit Union | 48 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 4.49% | Randolph-Brooks Federal Credit Union (RBFCU) | Up to 60 months | New | TX | promo ratetop credit tier | Visit lender ↗ | |
| 4.49% | University Federal Credit Union (UFCU) | Up to 48 months | New | TX | top credit tier | Visit lender ↗ | |
| 4.49% | Consumers Credit Union (Illinois) | Up to 60 months | New | IL | buying service dealer onlywith autopay | Visit lender ↗ | |
| 4.49% – 17.49% | Alero Financial (formerly Corporate America Family CU) | Up to 60 months | New | IL | LTV 100% or less | Visit lender ↗ | |
| 4.59% | Navy Federal Credit Union | 37–60 months | New | Nationwide | military and families only | Visit lender ↗ | |
| 4.59% | GECU Federal Credit Union | Up to 48 months | New | TX | top credit tier | Visit lender ↗ | |
| 4.69% – 18.00% | SchoolsFirst Federal Credit Union | 48 months | New | CA | with autopay | Visit lender ↗ | |
| 4.89% | San Diego County Credit Union (SDCCU) | Up to 48 months | New | CA · AZ · NV | Standard rate | Visit lender ↗ | |
| 4.89% | San Diego County Credit Union (SDCCU) | Up to 66 months | New | CA · AZ · NV | Standard rate | Visit lender ↗ | |
| 4.99% | Wave Federal Credit Union | 48 months | New | RI · MA | Standard rate | Visit lender ↗ | |
| 4.99% | Affinity Plus Federal Credit Union | 48 months | New | MN | LTV under 70% | Visit lender ↗ | |
| 4.99% | Workers Credit Union | Up to 66 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 4.99% | Mission Federal Credit Union | 37–48 months | New | CA | Standard rate | Visit lender ↗ | |
| 4.99% | Eglin Federal Credit Union | Up to 66 months | New | FL | Standard rate | Visit lender ↗ | |
| 4.99% | Municipal Credit Union (MCU) | Up to 60 months | New | NY | top credit tier | Visit lender ↗ | |
| 4.99% | Utilities Employees Credit Union (UECU) | 37–60 months | New | PA | utility employees and families only | Visit lender ↗ | |
| 4.99% | CEFCU | Up to 66 months | New | IL | top credit tier | Visit lender ↗ | |
| 4.99% | Consumers Credit Union (Illinois) | Up to 60 months | New | IL | with autopay | Visit lender ↗ | |
| 4.99% | Together Credit Union | Up to 63 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.05% | Addition Financial Credit Union | 24–66 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.09% | Andrews Federal Credit Union | 48 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 5.09% – 9.09% | Star One Credit Union | Up to 84 months | New | CA | Standard rate | Visit lender ↗ | |
| 5.09% | FAIRWINDS Credit Union | 48 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.19% – 17.99% | Patelco Credit Union | Up to 48 months | New | CA | LTV 95% or less | Visit lender ↗ | |
| 5.19% | San Diego County Credit Union (SDCCU) | Up to 78 months | New | CA · AZ · NV | Standard rate | Visit lender ↗ | |
| 5.20% – 14.89% | Missouri Central Credit Union | 1–60 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.24% – 18.00% | Rally Credit Union | Up to 84 months | New | TX | Standard rate | Visit lender ↗ | |
| 5.24% | Alltru Credit Union | 48 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.31% | CAMPUS USA Credit Union | Up to 60 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.39% | West Community Credit Union | 48 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.49% | Westerly Community Credit Union | 48 months | New | RI · CT | with autopay | Visit lender ↗ | |
| 5.49% | Sharon Credit Union | Up to 63 months | New | MA · RI | Standard rate | Visit lender ↗ | |
| 5.49% | Eglin Federal Credit Union | Up to 74 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.49% | Together Credit Union | Up to 75 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.69% | Idaho Central Credit Union | 48 months | New | ID | Standard rate | Visit lender ↗ | |
| 5.69% – 14.29% | Credit Human | 48 months | New | Nationwide | with autopay | Visit lender ↗ | |
| 5.69% – 12.14% | PSECU | 1–63 months | New | PA | LTV 90% or less | Visit lender ↗ | |
| 5.74% | Wings Financial Credit Union | 48 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 5.74% | Space Coast Credit Union | Up to 48 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.74% | Eglin Federal Credit Union | Up to 84 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.74% | American Heritage Federal Credit Union | Up to 63 months | New | PA | with autopay | Visit lender ↗ | |
| 5.74% | Clearview Federal Credit Union | 48 months | New | PA | with checking account | Visit lender ↗ | |
| 5.79% | Trumark Financial Credit Union | Up to 63 months | New | PA | Standard rate | Visit lender ↗ | |
| 5.84% | Connexus Credit Union | 48 months | New | Nationwide | with digital banking + autopay | Visit lender ↗ | |
| 5.89% | MIDFLORIDA Credit Union | Up to 72 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.89% | St. Louis Community Credit Union | Up to 63 months | New | MO | Standard rate | Visit lender ↗ | |
| 5.94% | EECU Credit Union | 48 months | New | TX | Standard rate | Visit lender ↗ | |
| 5.99% | Navigant Credit Union | Up to 66 months | New | RI · MA | with autopay | Visit lender ↗ | |
| 5.99% | Langley Federal Credit Union | 37–60 months | New | VA | Standard rate | Visit lender ↗ | |
| 5.99% | Jeanne D'Arc Credit Union | 48 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 5.99% | Space Coast Credit Union | Up to 66 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.99% | Visions Federal Credit Union | Up to 84 months | New | NY | promo ratewith autopay | Visit lender ↗ | |
| 6.10% | TDECU | 48 months | New | TX | needs direct deposit | Visit lender ↗ | |
| 6.19% | San Diego County Credit Union (SDCCU) | Up to 84 months | New | CA · AZ · NV | Standard rate | Visit lender ↗ | |
| 6.24% | Metro Credit Union | Up to 66 months | New | MA · NH | Standard rate | Visit lender ↗ | |
| 6.28% | Jovia Financial Federal Credit Union | Up to 60 months | New | NY | Standard rate | Visit lender ↗ | |
| 6.34% | Navigant Credit Union | Up to 75 months | New | RI · MA | with autopay | Visit lender ↗ | |
| 6.49% | Space Coast Credit Union | Up to 75 months | New | FL | Standard rate | Visit lender ↗ | |
| 6.49% | Together Credit Union | Up to 84 months | New | MO | Standard rate | Visit lender ↗ | |
| 6.74% | Space Coast Credit Union | Up to 84 months | New | FL | Standard rate | Visit lender ↗ | |
| 7.34% | Navigant Credit Union | Up to 84 months | New | RI · MA | with autopay | Visit lender ↗ |