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
46 rates
4.74%New76–84 months
IL
Published as 76–84 months, not as its own 84-month price.
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 76-84 months.
Checked Nov 11, 2026Source glcu.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
5.24%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
5.34%New76–84 months
IL
Published as 76–84 months, not as its own 84-month price.
APR as low as, 2025 and newer models; 76-84 months for 2025 and newer only. Advertised as 76-84 months.
Checked Nov 11, 2026Source bcu.org
5.49%New84 months
RI
Lowest rates available; determined by creditworthiness. Subject to change without notice. Rate published with the stated maximum term; no separate shorter-term APRs were listed. New auto, model years 2025-2026; maximum term 84 months.
Checked Nov 10, 2026Source ricreditunion.org
5.49%New79–84 months
MA · NH
Published as 79–84 months, not as its own 84-month price.
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. New-2021; 79 to 84 months.
Checked Nov 10, 2026Source wcu.com
5.55%New67–84 months
FL
Published as 67–84 months, not as its own 84-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 67-84 months.
Checked Nov 11, 2026Source additionfi.com
5.74%and upNew84 months
CA
The published figure may include an autopay, direct-deposit, or relationship discount.
Minimum loan $25,000.
Effective as of 11/10/2026. Range of rates. Lowest rate includes a 0.75% discount for automatic transfer from a SchoolsFirst FCU account. 84-month term requires loan amount of $25,000 or greater and vehicle not more than 5 model years old (for calendar year 2026: 2026, 2025, 2024, 2023, or 2022).
Checked Nov 10, 2026Source schoolsfirstfcu.org
5.74%and upNew73–84 months
CA
Published as 73–84 months, not as its own 84-month price.
Minimum loan $15,000.
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 73 to 84 months.
Checked Nov 10, 2026Source patelco.org
5.74%New84 months
Nationwide
Minimum loan $20,000.
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. Minimum loan amount $20,000 for 73-84 month term.
Checked Nov 10, 2026Source penfed.org
5.74%New84 months
Nationwide
Minimum loan $20,000.
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. Minimum loan amount $20,000 for 73-84 month 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
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
5.99%New84 months
MN
Minimum loan $25,000.
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
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
5.99%New73–84 months
PA
Published as 73–84 months, not as its own 84-month price.
2024 and newer models. APR as low as. Rates effective 10/16/2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source uecu.org
6.00%New79–84 months
TX
Published as 79–84 months, not as its own 84-month price.
Minimum loan $30,000.
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. Amount financed $30,000 and above for this term. Advertised as 79-84 months.
Checked Nov 11, 2026Source gecu.com
6.12%and upNew84 months
AL · AR · DC · FL · GA · IN · KY · MD · MS · NJ · NC · OH · PA · SC · TN · TX · VA · WV
Minimum loan $3,500.
Official new-car loan page: fixed rates from 6.12% to 12.11% APR. Terms up to 84 months. Excellent credit required for lowest rates. Loan amounts $3,500 to $400,000. Available in branches in AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV. No term-specific rate table was published; term is recorded as the stated maximum (84 months) and the 6.12% figure is the published low end of the range, not a confirmed 84-month rate. A comparison example uses 6.44% APR for 84 months on $25,000, which was not recorded as a separate product rate. 30-day rate lock after approval.
Checked Nov 10, 2026Source truist.com
6.17%New84 months
Nationwide
Minimum loan $20,000.
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
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
6.20%and upNew73–84 months
MO
Published as 73–84 months, not as its own 84-month price.
2025-2027 new vehicles. APR range 6.20%-14.98%. Max LTV 140%. Rates effective July 16, 2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source mocentral.org
6.24%New84 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
6.24%New79–84 months
CA
Published as 79–84 months, not as its own 84-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 79-84 months.
Checked Nov 11, 2026Source missionfed.com
6.29%New73–84 months
Nationwide
Published as 73–84 months, not as its own 84-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 73-84 months.
Checked Nov 10, 2026Source navyfederal.org
6.34%New84 months
PA
Minimum loan $15,000.
2025-2027 model-year vehicles; lowest of four credit-tier columns (rate depends on term, credit score and model year). Effective November 11, 2026. Minimum loan $15,000; 84 months for new vehicles (preowned up to 6 years). Advertised as 84 months.
Checked Nov 11, 2026Source pffcu.org
6.49%New84 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
6.49%New84 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
6.49%New84 months
TX
APR as low as; model year 2023-2027; purchases only.
Checked Nov 11, 2026Source eecu.org
6.49%New73–84 months
IL
Published as 73–84 months, not as its own 84-month price.
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 73-84 months.
Checked Nov 11, 2026Source myconsumers.org
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
6.69%New76–84 months
PA
Published as 76–84 months, not as its own 84-month price.
2024-2027 model years; actual APR depends on creditworthiness; mileage up to 100,000. Effective September 21, 2026. Advertised as 76-84 months.
Checked Nov 11, 2026Source trumark.com
6.74%New84 months
RI · MA · CT
Minimum loan $25,000.
Active as of 11/10/2026. Lowest APR; based on a credit score of 700 and maximum LTV of 120% of retail or MSRP for new vehicles. Includes a 0.25% discount for automatic electronic payments from a People's checking account. Model years 2023-2026.
Checked Nov 10, 2026Source peoplescu.com
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
6.74%New76–84 months
PA
Published as 76–84 months, not as its own 84-month price.
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 76-84 months.
Checked Nov 11, 2026Source americanheritagecu.org
6.74%New84 months
MO
New car, model years 2024-2027; APR as low as, as of Nov 11, 2026. Advertised as 84 months.
Checked Nov 11, 2026Source westcommunitycu.org
6.79%New76–84 months
PA
Published as 76–84 months, not as its own 84-month price.
Minimum loan $6,000.
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 $6,000. Advertised as 76-84 months.
Checked Nov 11, 2026Source psecu.com
6.82%New84 months
NY
Minimum loan $25,000.
Rate table for 2023-2027 model-year vehicles; based on credit history. Minimum loan $25,000 for a 7-year term. Advertised as 84 months.
Checked Nov 11, 2026Source jovia.org
6.99%New76–84 months
VA
Published as 76–84 months, not as its own 84-month price.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. New car loans, advertised as 76-84 months.
Checked Nov 10, 2026Source langleyfcu.org
6.99%New76–84 months
MA · RI
Published as 76–84 months, not as its own 84-month price.
Minimum loan $25,000.
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 76-84 months. 76-84-month terms available for a minimum amount financed of $25,000 on vehicles less than 30,000 miles.
Checked Nov 10, 2026Source scucu.com
6.99%New73–84 months
MO
Published as 73–84 months, not as its own 84-month price.
2025-2027 models. APR as low as; may vary with creditworthiness and collateral. Rate sheet says effective February 1st, 2026. Advertised as 73-84 months.
Checked Nov 11, 2026Source stlouiscommunity.com
7.04%New84 months
PA
Minimum loan $35,000.
2022-2026 model years. Rates include a 0.25% discount for members with an active Absolute Checking account. Effective November 2, 2026. Minimum loan $35,000. Advertised as 84 months.
Checked Nov 11, 2026Source clearviewfcu.org
7.19%New84 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
7.24%New84 months
Nationwide
Minimum loan $20,000.
As low as; effective 11/03/2026. Actual APR based on credit history and final loan terms. Membership required. New auto loan, 2025 and newer models.
Checked Nov 10, 2026Source firsttechfed.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
7.74%New76–84 months
MA · NH
Published as 76–84 months, not as its own 84-month price.
Minimum loan $20,000.
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. Eligible borrowers only; 76 to 84 months.
Checked Nov 10, 2026Source metrocu.org
7.74%New73–84 months
MO
Published as 73–84 months, not as its own 84-month price.
New/used auto APR as low as. Advertised as 73-84 months.
Checked Nov 11, 2026Source alltrucu.org
8.49%New84 months
RI · CT
Minimum loan $25,000.
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
| Compare | Rate (APR) ↑ | Lender | Term | Type | Where | Restriction / note | |
|---|---|---|---|---|---|---|---|
| 4.74% | Great Lakes Credit Union | 76–84 months | New | IL | Standard rate | Visit lender ↗ | |
| 5.09% – 9.09% | Star One Credit Union | Up to 84 months | New | CA | Standard rate | Visit lender ↗ | |
| 5.24% – 18.00% | Rally Credit Union | Up to 84 months | New | TX | Standard rate | Visit lender ↗ | |
| 5.34% | BCU (Baxter Credit Union) | 76–84 months | New | IL | Standard rate | Visit lender ↗ | |
| 5.49% | Rhode Island Credit Union | 84 months | New | RI | Standard rate | Visit lender ↗ | |
| 5.49% | Workers Credit Union | 79–84 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 5.55% | Addition Financial Credit Union | 67–84 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.74% – 18.00% | SchoolsFirst Federal Credit Union | 84 months | New | CA | with autopay | Visit lender ↗ | |
| 5.74% – 17.99% | Patelco Credit Union | 73–84 months | New | CA | LTV 95% or less | Visit lender ↗ | |
| 5.74% | PenFed Credit Union | 84 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 5.74% | PenFed Credit Union | 84 months | New | Nationwide | TrueCar dealer only | Visit lender ↗ | |
| 5.74% | Eglin Federal Credit Union | Up to 84 months | New | FL | Standard rate | Visit lender ↗ | |
| 5.99% | Affinity Plus Federal Credit Union | 84 months | New | MN | LTV under 70% | Visit lender ↗ | |
| 5.99% | Visions Federal Credit Union | Up to 84 months | New | NY | promo ratewith autopay | Visit lender ↗ | |
| 5.99% | Utilities Employees Credit Union (UECU) | 73–84 months | New | PA | utility employees and families only | Visit lender ↗ | |
| 6.00% | GECU Federal Credit Union | 79–84 months | New | TX | top credit tier | Visit lender ↗ | |
| 6.12% – 12.11% | Truist Bank | 84 months | New | AL · AR · DC · FL · GA · IN · KY · MD · MS · NJ · NC · OH · PA · SC · TN · TX · VA · WV | Standard rate | Visit lender ↗ | |
| 6.17% | Andrews Federal Credit Union | 84 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 6.19% | San Diego County Credit Union (SDCCU) | Up to 84 months | New | CA · AZ · NV | Standard rate | Visit lender ↗ | |
| 6.20% – 14.98% | Missouri Central Credit Union | 73–84 months | New | MO | Standard rate | Visit lender ↗ | |
| 6.24% | Wings Financial Credit Union | 84 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 6.24% | Mission Federal Credit Union | 79–84 months | New | CA | Standard rate | Visit lender ↗ | |
| 6.29% | Navy Federal Credit Union | 73–84 months | New | Nationwide | military and families only | Visit lender ↗ | |
| 6.34% | Police and Fire Federal Credit Union (PFFCU) | 84 months | New | PA | top credit tier | Visit lender ↗ | |
| 6.49% | Wave Federal Credit Union | 84 months | New | RI · MA | Standard rate | Visit lender ↗ | |
| 6.49% | Jeanne D'Arc Credit Union | 84 months | New | MA · NH | with autopay | Visit lender ↗ | |
| 6.49% | EECU Credit Union | 84 months | New | TX | Standard rate | Visit lender ↗ | |
| 6.49% | Consumers Credit Union (Illinois) | 73–84 months | New | IL | with autopay | Visit lender ↗ | |
| 6.49% | Together Credit Union | Up to 84 months | New | MO | Standard rate | Visit lender ↗ | |
| 6.69% | Trumark Financial Credit Union | 76–84 months | New | PA | Standard rate | Visit lender ↗ | |
| 6.74% | People's Credit Union | 84 months | New | RI · MA · CT | with autopay | Visit lender ↗ | |
| 6.74% | Space Coast Credit Union | Up to 84 months | New | FL | Standard rate | Visit lender ↗ | |
| 6.74% | American Heritage Federal Credit Union | 76–84 months | New | PA | with autopay | Visit lender ↗ | |
| 6.74% | West Community Credit Union | 84 months | New | MO | Standard rate | Visit lender ↗ | |
| 6.79% | PSECU | 76–84 months | New | PA | LTV 90% or less | Visit lender ↗ | |
| 6.82% | Jovia Financial Federal Credit Union | 84 months | New | NY | Standard rate | Visit lender ↗ | |
| 6.99% | Langley Federal Credit Union | 76–84 months | New | VA | Standard rate | Visit lender ↗ | |
| 6.99% | Sharon Credit Union | 76–84 months | New | MA · RI | Standard rate | Visit lender ↗ | |
| 6.99% | St. Louis Community Credit Union | 73–84 months | New | MO | Standard rate | Visit lender ↗ | |
| 7.04% | Clearview Federal Credit Union | 84 months | New | PA | with checking account | Visit lender ↗ | |
| 7.19% | Connexus Credit Union | 84 months | New | Nationwide | with digital banking + autopay | Visit lender ↗ | |
| 7.24% | First Tech Federal Credit Union | 84 months | New | Nationwide | Standard rate | Visit lender ↗ | |
| 7.34% | Navigant Credit Union | Up to 84 months | New | RI · MA | with autopay | Visit lender ↗ | |
| 7.74% | Metro Credit Union | 76–84 months | New | MA · NH | Standard rate | Visit lender ↗ | |
| 7.74% | Alltru Credit Union | 73–84 months | New | MO | Standard rate | Visit lender ↗ | |
| 8.49% | Westerly Community Credit Union | 84 months | New | RI · CT | with autopay | Visit lender ↗ |