Credit union · NCUA insured
America's Credit Union Auto Loan Rates
America's Credit Union auto loans start at 4.40% APR for a new vehicle and 4.40% for a used one. Rates checked October 16, 2026.
How America's Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where America's Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
America's Credit Union
4.40%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Vehicles 2026 & Older
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Discount
- None included
America's Credit Union auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.40%
- Used vehicleUsed4.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where America's 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.
Vehicles 2026 & Older
Rates include discounts of up to 0.70% that are available requiring qualifying products and/or services. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union underwriting guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.39% | Rates include discounts of up to 0.70% that are available requiring qualifying products and/or services. |
| 25–36 months | 3.89% | Rates include discounts of up to 0.70% that are available requiring qualifying products and/or services. |
| 37–48 months | 4.09% | Rates include discounts of up to 0.70% that are available requiring qualifying products and/or services. |
| 49–60 months | 4.40% | Rates include discounts of up to 0.70% that are available requiring qualifying products and/or services. |
| 61–72 months | 5.04% | Rates include discounts of up to 0.70% that are available requiring qualifying products and/or services. |
| 73–84 months | 5.59% | Rates include discounts of up to 0.70% that are available requiring qualifying products and/or services. |
Sources (1)
- americascu.org/rates/auto-and-toy.html · captured Oct 7, 2026
Who can join America's Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of America's Credit Union are eligible for membership.
Family and household
- Everyone in the immediate household of an employee of America's Credit Union is eligible for membership.
Membership information collected October 5, 2026.