Auto Rates
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| Model Year | Term | APR with Discounts | Non-Discounted APR |
|---|---|---|---|
| 2025 and Newer Models | 1 – 60 Month | 5.95%* | 6.70% |
| Â | 61 – 66 Months | 5.95%* | 6.70% |
| Â | 67 – 72 Months | 6.05%* | 6.80% |
| Â | 73 – 84 Months | 6.60%* | 7.35% |
| Â | ($25,000 min) | Â | Â |
| Â | Â | Â | Â |
| Used Cars | Â | Â | Â |
| 2024 Models | 1 – 60 Months | 6.05%* | 6.80% |
| Â | 61 – 66 Months | 6.05%* | 6.80% |
| Â | 67 – 72 Months | 6.20%* | 6.95% |
| Â | 73 – 84 Months | 6.80%* | 7.55% |
| Â | Â | Â | Â |
| 2023 Models | 1 – 60 Months | 6.05%* | 6.80% |
| Â | 61 – 66 Months | 6.05%* | 6.80% |
| Â | 67 – 72 Months | 6.25%* | 7.00% |
| Â | 73 – 78 Months | 6.80%* | 7.55% |
| Â | Â | Â | Â |
| 2022 Models | 1 – 60 Months | 6.15%* | 6.90% |
| Â | 61 – 66 Months | 6.25%* | 7.00% |
| Â | 67 – 72 Months | 6.55%* | 7.30% |
| Â | Â | Â | Â |
| 2021 Models | 1 – 60 Months | 7.15%* | 7.90% |
| Â | 61 – 66 Months | 7.30%* | 8.05% |
| Â | Â | Â | Â |
| 2020 Models | 1 – 60 Months | 7.55%* | 8.30% |
| Â | 61 – 66 Months | 7.70%* | 8.45% |
| Â | Â | Â | Â |
| 2019 – 2018 Models | 1 – 60 Months | 7.80%* | 8.55% |
| Â | Â | Â | Â |
| 2017 – 2016 Models | 1 – 48 Months | 8.00%* | 8.75% |
Membership eligibility required. Loans subject to credit approval and application. These are “as low as” rates. Actual rates may vary. APR is Annual Percentage Rate.
* This rate includes a .50% special discount for having direct deposit or automatic payments AND .25% discount for LTV (loan to value) of 80% or lower MSRP on above stated rate.
Rates are valid as of 02/11/2026.
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