Credit union · NCUA insured
Affinity Credit Union Auto Loan Rates
Affinity Credit Union auto loans start at 5.09% APR for a new vehicle and 5.09% for a used one. Rates checked October 16, 2026.
How Affinity Credit Union’s auto loan rates compare
Compared with banks and credit unions near Des Moines, IA, where Affinity Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Affinity Credit Union
5.09%APR
- Terms
- up to 60 months
Auto Loan
Lowest rate
Midland Credit Union
4.10%APR
- Terms
- —
2nd-lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
Affinity Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew5.09%
- Used vehicleUsed5.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Affinity 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 Loan
Rates depend on credit score/history, term length, model year, down payment, loan amount, and income/existing debt. Non-members can apply; membership required at closing. Max term up to 72 months on most vehicles (up to 84/96 months for qualifying tiers). Terms may vary based on vehicle value. $200 cash incentive and 90 days no payments on external refinances of $10,000 or greater (new money only, not valid on internal refinances). No fees to refinance an external auto loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Model year 2024 & newer. Term 36 months. Qualified credit. Rates as low as shown. |
| up to 48 months | 4.99% | Model year 2024 & newer. Term 48 months. Qualified credit. Rates as low as shown. |
| up to 60 months | 5.09% | Model year 2024 & newer. Term 60 months. Qualified credit. Rates as low as shown. |
| up to 72 months | 5.24% | Model year 2024 & newer. Term 72 months. Qualified credit. Rates as low as shown. |
| up to 84 months | 5.54% | Model year 2024 & newer. Term 84 months. Qualified credit. Rates as low as shown. |
| up to 96 months | 6.54% | For loan amounts greater than $70,000. Term 96 months. Subject to minimum credit score. Minimum loan amount $60,000 (stated $70,000 for row). Qualified credit. Rates as low as shown. |
| up to 36 months | 5.24% | Model years 2023 & 2022. Term 36 months. Qualified credit. Rates as low as shown. |
| up to 48 months | 5.24% | Model years 2023 & 2022. Term 48 months. Qualified credit. Rates as low as shown. |
| up to 60 months | 5.24% | Model years 2023 & 2022. Term 60 months. Qualified credit. Rates as low as shown. |
| up to 72 months | 5.49% | Model years 2023 & 2022. Term 72 months. Qualified credit. Rates as low as shown. |
| up to 84 months | 5.79% | Model years 2023 & 2022. Term 84 months. Qualified credit. Rates as low as shown. |
| up to 36 months | 5.34% | Model years 2021 & 2020. Term 36 months. Qualified credit. Rates as low as shown. |
| up to 48 months | 5.34% | Model years 2021 & 2020. Term 48 months. Qualified credit. Rates as low as shown. |
| up to 60 months | 5.64% | Model years 2021 & 2020. Term 60 months. Qualified credit. Rates as low as shown. |
| up to 72 months | 5.94% | Model years 2021 & 2020. Term 72 months. Qualified credit. Rates as low as shown. |
| up to 36 months | 5.89% | Model years 2019 – 2016. Term 36 months. Qualified credit. Rates as low as shown. |
| up to 48 months | 6.14% | Model years 2019 – 2016. Term 48 months. Qualified credit. Rates as low as shown. |
| up to 60 months | 6.39% | Model years 2019 – 2016. Term 60 months. Qualified credit. Rates as low as shown. |
| up to 36 months | 9.09% | Model years 2015 & older. Term 36 months. Qualified credit. Rates as low as shown. |
| up to 48 months | 9.59% | Model years 2015 & older. Term 48 months. Qualified credit. Rates as low as shown. |
Who can join Affinity Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Polk, Boone, Story, Marshall, Dallas, Jasper, Madison, Warren, Marion, Adams, Union, Page, Taylor, or Ringgold counties.
Employers and groups
- Eligibility is open to employees of Affinity Credit Union's Select Employee Groups.
Family and household
- Eligibility is open to individuals who have a family member who is an existing member of Affinity Credit Union.
Membership information collected October 4, 2026.