Credit union · NCUA insured
Alcoa Community Federal Credit Union Auto Loan Rates
Top CarrotAlcoa Community Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Alcoa Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Little Rock, AR, where Alcoa Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alcoa Community Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
Telcoe Federal Credit Union
3.74%APR
- Terms
- up to 84 months
- Discount
- None included
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Alcoa Community Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Alcoa Community 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.
ATV/Motorcycle/Personal Watercraft
Membership with Alcoa Community Federal Credit Union is required for all offers. APR range is based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.40% | Model year 2026 - 2024. Rate based on creditworthiness. |
| up to 72 months | 7.75% | Model year 2026 - 2024. Rate based on creditworthiness. |
| up to 48 months | 10.05% | Model year 2023+. Rate based on creditworthiness. |
Sources (1)
- alcoacommunityfcu.org/loan-rates · captured Oct 4, 2026
Auto Loans
Membership with Alcoa Community Federal Credit Union is required for all offers. Rates are based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | Rate based on creditworthiness. |
| up to 60 months | 5.00% | Rate based on creditworthiness. |
| up to 72 months | 5.40% | Rate based on creditworthiness. |
| up to 84 months | 5.95% | Rate based on creditworthiness. |
Who can join Alcoa Community Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.