Rows whose published term, range, or maximum includes 74 months. A bucket such as 37–60 months is labeled as that bucket. Rates with no term on the source page are left off this list.
Lowest match
4.24%
Avg credit union
5.19%
Lenders tracked
82
539 rates from 82 lenders
Top 4 of 74 rates
4.24%New64–75 months
IL
Published as 64–75 months, not as its own 75-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 64-75 months.
Checked Nov 11, 2026Source glcu.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
4.99%New67–78 months
MA · NH
Published as 67–78 months, not as its own 78-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; 67 to 78 months.
Checked Nov 10, 2026Source wcu.com
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 rates
5.89%and upRefi73–84 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. Same used-auto / refinance table; 73 to 84 months.
Checked Nov 10, 2026Source patelco.org
5.99%Refi67–75 months
VA
Published as 67–75 months, not as its own 75-month price.
As low as APR. All rates subject to change. $5 deposit to Langley savings required for membership. Refinance promotion, advertised as 67-75 months. No 76-84 month refinance rate was listed.
Checked Nov 10, 2026Source langleyfcu.org
6.49%RefiUp 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 refinance interest rates (non-SCCU auto loans only); advertised as up to 75 months.
Checked Nov 10, 2026Source sccu.com
6.74%RefiUp 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 refinance interest rates (non-SCCU auto loans only); advertised as up to 84 months.
Checked Nov 10, 2026Source sccu.com
6.74%Refi24–84 months
FL
Published as 24–84 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 24-84 months.
Checked Nov 11, 2026Source additionfi.com
| Compare | Rate (APR) ↑ | Lender | Term | Type | Where | Restriction / note | |
|---|---|---|---|---|---|---|---|
| 5.89% – 17.99% | Patelco Credit Union | 73–84 months | Refi | CA | LTV 95% or less | Visit lender ↗ | |
| 5.99% | Langley Federal Credit Union | 67–75 months | Refi | VA | promo rate | Visit lender ↗ | |
| 6.49% | Space Coast Credit Union | Up to 75 months | Refi | FL | Standard rate | Visit lender ↗ | |
| 6.74% | Space Coast Credit Union | Up to 84 months | Refi | FL | Standard rate | Visit lender ↗ | |
| 6.74% | Addition Financial Credit Union | 24–84 months | Refi | FL | Standard rate | Visit lender ↗ |