Credit union · NCUA insured
Alliance Credit Union Auto Loan Rates
Top CarrotAlliance Credit Union auto loans start at 4.89% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Alliance Credit Union’s auto loan rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Alliance Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alliance Credit Union
4.89%APR
- Terms
- 49–60 months
- Up to
- —
New Vehicle Loan
Lowest rate
St. Louis Policemen's Credit Union
3.50%APR
- Terms
- —
- Up to
- 12.25% APR
2nd-lowest rate
First Missouri Credit Union
3.99%APR
- Terms
- —
- Up to
- —
Alliance Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.89%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Alliance 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.
Classic Car Loan
For classic cars. Rates include 0.50% off discount for new consumer loan with direct deposit; rates may vary based on credit profile and payment election.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.49% | Rate as low as; includes 0.50% discount for direct deposit. |
| up to 72 months | 7.99% | Rate as low as; includes 0.50% discount for direct deposit. |
New Vehicle Loan
Financing up to 100% NADA Retail Value of vehicle. Rates include 0.50% off discount for new consumer loan with direct deposit; rates may vary based on credit profile and payment election. Vehicles 10 years and older have different rates, terms, and conditions. Discounts available for members under 20 buying their first car and members with Best Interest Checking.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.49% | Rate as low as; includes 0.50% discount for direct deposit. |
| 37–48 months | 4.59% | Rate as low as; includes 0.50% discount for direct deposit. |
| 49–60 months | 4.89% | Rate as low as; includes 0.50% discount for direct deposit. |
| 61–72 months | 5.19% | Rate as low as; includes 0.50% discount for direct deposit. |
| 73–84 months | 5.99% | Rate as low as; includes 0.50% discount for direct deposit. |
Used Vehicle Loan
Financing up to 100% NADA Retail Value of vehicle. Rates include 0.50% off discount for new consumer loan with direct deposit; rates may vary based on credit profile and payment election. Vehicles 10 years and older have different rates, terms, and conditions. Discounts available for members under 20 buying their first car and members with Best Interest Checking.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.74% | Rate as low as; includes 0.50% discount for direct deposit. |
| 37–48 months | 4.99% | Rate as low as; includes 0.50% discount for direct deposit. |
| 49–60 months | 5.24% | Rate as low as; includes 0.50% discount for direct deposit. |
| 61–72 months | 5.64% | Rate as low as; includes 0.50% discount for direct deposit. |
| 73–84 months | 6.49% | Rate as low as; includes 0.50% discount for direct deposit. |
Who can join Alliance Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.