Credit union · NCUA insured
Alltru Credit Union Auto Loan Rates
Alltru Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Alltru Credit Union’s auto loan rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Alltru Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alltru Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
New/Used Auto Loans
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
- —
Alltru Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- 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 Alltru 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.
First Time Buyer Program
Designed for members with limited or no credit history to finance a loan without a cosigner. Proof of income and $1,000 down payment required. Maximum vehicle purchase price of $25,000 (rate tier applies to loan amounts less than $20,000). Available for vehicles less than 5 years old. Maximum term of 72 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 15.99% | For loan amounts less than $20,000. Up to 72 months. Designed for first-time borrowers with limited or no credit history. Proof of income and $1,000 down payment required. Max vehicle purchase price $25,000 for vehicles less than 5 years old. |
Sources (3)
- alltrucu.org/loans-credit-cards/personal-loans
- alltrucu.org/loans-credit-card…ersonal-loans/auto-loans
- alltrucu.org/rates
All captured Oct 16, 2026
New/Used Auto Loans
Available for new and used cars, trucks, and vans (2021 and newer; call credit union for 2020 and older). Financing up to 120% of MSRP. Minimum loan amount of $5,000. 0.25% rate discount available with automatic payments. No prepayment penalties or refinance fee from Alltru. 90 days no payment offer available for qualified borrowers with credit scores above 600 financing $5,000 or more (interest accrues during deferral). Rates range from 3.99% to 17.99% APR depending on creditworthiness, vehicle age, term, and mileage. Existing Alltru auto loans do not qualify for refinancing. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Rate as low as 3.99% APR. 0.25% rate discount with automatic payments. Available for new/used vehicles 2021-newer. Minimum loan amount $5,000. |
| up to 48 months | 5.24% | Rate as low as 5.24% APR. 0.25% rate discount with automatic payments. Available for new/used vehicles 2021-newer. Minimum loan amount $5,000. |
| up to 60 months | 5.24% | Rate as low as 5.24% APR. 0.25% rate discount with automatic payments. Available for new/used vehicles 2021-newer. Minimum loan amount $5,000. |
| up to 72 months | 5.99% | Rate as low as 5.99% APR. 0.25% rate discount with automatic payments. Available for new/used vehicles 2021-newer. Minimum loan amount $5,000. |
| 73–84 months | 7.74% | Rate as low as 7.74% APR. 0.25% rate discount with automatic payments. Available for new/used vehicles 2021-newer. Minimum loan amount $5,000. |
Sources (3)
- alltrucu.org/loans-credit-cards/personal-loans
- alltrucu.org/loans-credit-card…ersonal-loans/auto-loans
- alltrucu.org/rates
All captured Oct 16, 2026
Who can join Alltru Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.