Credit union · NCUA insured
1st Kansas Credit Union Auto Loan Rates
1st Kansas Credit Union auto loans start at 5.49% APR for a new vehicle and 6.99% for a used one. Rates checked October 16, 2026.
How 1st Kansas Credit Union’s auto loan rates compare
Compared with banks and credit unions near Topeka, KS, where 1st Kansas Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1st Kansas Credit Union
5.49%APR
- Terms
- —
New Vehicle Loan
Lowest rate
Empower Blue Credit Union
4.99%APR
- Terms
- —
2nd-lowest rate
Topeka Firemen's Credit Union
5.00%APR
- Terms
- up to 72 months
1st Kansas Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Kansas Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicle Loan
Rates are based on credit score and listed for scores above 600. If credit score is below 600, the rate increases by 3%. If a discharged bankruptcy is on credit report, 4% is added. Loans available on automobiles, trucks (1 ton or less), and vans.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Applies to model years 2026-2023. Credit scores above 600. Add 3% for credit score below 600; add 4% if discharged bankruptcy. For 84 months (minimum $35,000), add 1%. |
Used Vehicle Loan
Rates are based on credit score and listed for scores above 600. If credit score is below 600, the rate increases by 3%. If a discharged bankruptcy is on credit report, 4% is added. 84 months with minimum of $35,000 adds 1%. Loans available on automobiles, trucks (1 ton or less), and vans.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.99% | Applies to model years 2022-2020. Credit scores above 600. Add 3% for credit score below 600; add 4% if discharged bankruptcy. For 84 months (minimum $35,000), add 1%. |
| — | 7.99% | Applies to model years 2019 and older. Credit scores above 600. Add 3% for credit score below 600; add 4% if discharged bankruptcy. For 84 months (minimum $35,000), add 1%. |
Who can join 1st Kansas Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retired persons/annuitants of 1st Kansas Credit Union are eligible for membership.
Military, government and schools
- Employees and retirees/annuitants of the United States Postal Service, United States Government, or any Government entity who work in or are paid out of Kansas, Nebraska, Iowa, or Missouri are eligible for membership.
- Federal Government Employee Organizations and Associations are eligible for membership.
Family and household
- Immediate family members of eligible employees, annuitants, and retired persons are eligible for membership.
Membership information collected October 4, 2026.