Credit union · NCUA insured
Advantage Credit Union Auto Loan Rates
Top CarrotAdvantage Credit Union auto loans start at 4.55% APR for a new vehicle and 4.55% for a used one. Rates checked October 16, 2026.
How Advantage Credit Union’s auto loan rates compare
Compared with banks and credit unions near Des Moines, IA, where Advantage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Advantage Credit Union
4.55%APR
- Terms
- up to 60 months
New Autos & Trucks
Lowest rate
Midland Credit Union
4.10%APR
- Terms
- —
2nd-lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
Advantage Credit Union auto loan score
89
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.55%
- Used vehicleUsed4.55%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Advantage 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 Autos & Trucks
Rates will vary depending on credit score. 0.25% interest discount for debt protection or warranty.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.00% | As low as rate based on credit score. 0.25% interest discount for debt protection or warranty. |
| up to 36 months | 4.15% | As low as rate based on credit score. 0.25% interest discount for debt protection or warranty. |
| up to 48 months | 4.30% | As low as rate based on credit score. 0.25% interest discount for debt protection or warranty. |
| up to 60 months | 4.55% | As low as rate based on credit score. 0.25% interest discount for debt protection or warranty. |
| up to 72 months | 4.90% | As low as rate based on credit score. 0.25% interest discount for debt protection or warranty. |
| up to 84 months | 5.05% | As low as rate based on credit score. 0.25% interest discount for debt protection or warranty. |
Sources (1)
- acuiowa.org/loan-rates · captured Oct 5, 2026
Used Autos & Trucks
Rates will vary depending on credit score and year of vehicle. 0.25% interest discount for debt protection or warranty.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.30% | As low as rate based on credit score and year of vehicle. 0.25% interest discount for debt protection or warranty. |
| up to 60 months | 4.55% | As low as rate based on credit score and year of vehicle. 0.25% interest discount for debt protection or warranty. |
| up to 72 months | 4.80% | As low as rate based on credit score and year of vehicle. 0.25% interest discount for debt protection or warranty. |
| up to 84 months | 5.05% | As low as rate based on credit score and year of vehicle. 0.25% interest discount for debt protection or warranty. |
Sources (1)
- acuiowa.org/loan-rates · captured Oct 5, 2026
Who can join Advantage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in Jasper County or 18 other counties in Central Iowa (19 Iowa counties total).
Membership information collected October 4, 2026.