Credit union · NCUA insured
Afena Federal Credit Union Auto Loan Rates
Afena Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 15, 2026.
How Afena Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Marion, IN, where Afena Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Afena Federal Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- —
Auto & Motorcycle Loans
Lowest rate
Fortress Federal Credit Union
4.39%APR
- Terms
- up to 66 months
- Up to
- 15.49% APR
2nd-lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
Afena Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Afena Federal 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.
Auto & Motorcycle Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | Up to 60 mos. |
Sources (1)
- afenafcu.org/borrow/loan-rates · captured Oct 7, 2026
Auto Loan Refinance
Must refinance a vehicle loan from another lender with a minimum $5,000 balance. Vehicle must be model year 2010 or newer. Rate is 1% lower than current rate or current posted auto loan rate (whichever is lower), subject to a 4.50% APR floor.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50% | Save 1% off current rate when transferring from another lender, down to a floor rate of 4.50% APR. Terms up to 84 months. Valid September 8 through November 30, 2025. |
Sources (1)
- afenafcu.org/borrow/auto-loan-refinance · captured Oct 7, 2026
Who can join Afena Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Grant, Wabash, Blackford, Jay, or Wells counties in Indiana are eligible to join.
Employers and groups
- Employees of Afena's select employer groups are eligible to join.
Family and household
- Immediate family members of individuals who qualify under geographic or select employer group criteria and have an account with Afena are eligible to join.
Cost to join
- Opening a Share Savings account requires a minimum $5 deposit to join.
Membership information collected October 5, 2026.