Credit union · NCUA insured
America's Credit Union Auto Loan Rates
Top CarrotAmerica's Credit Union auto loans start at 5.93% APR for a new vehicle and 5.93% for a used one. Rates checked October 22, 2026.
How America's Credit Union’s auto loan rates compare
Compared with banks and credit unions near Seattle, WA, where America's Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
America's Credit Union
5.93%APR
- Terms
- 49–60 months
- Up to
- 13.93% APR
New & Used Auto Loans
Lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
America's Credit Union auto loan score
68
Auto loan score
Higher than 20% of U.S. banks and credit unions
- New vehicleNew5.93%
- Used vehicleUsed5.93%
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.
First Time Buyer Program
ACU's First-Time Buyer program helps members with limited credit history obtain auto financing by evaluating the full financial picture, not just a credit score. Rate discounts available up to max aggregate discount of 1.25%: 0.50% for Active-Duty Military, Military Veterans, and First-Responders; 0.25% for Debt Protection; 0.50% for external ACH payment or ACU autopay without direct deposit; 0.75% for autopay from ACU account with direct deposit equal to, or greater than, loan payment. ACU membership with $25 membership pledge required to open an account. Minimum loan amount: $10,000 for 61–72 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 12.32% | — |
| 61–72 months | 13.85% | Minimum loan amount of $10,000 for 61–72 months. |
Sources (2)
All captured Oct 22, 2026
Motorcycle Loans
Floor rate of 6.80% to include all possible discounts for motorcycles. Rate discounts available up to max aggregate discount of 1.25%: 0.50% for Active-Duty Military, Military Veterans, and First-Responders; 0.25% for Debt Protection; 0.50% for external ACH payment or ACU autopay without direct deposit; 0.75% for autopay from ACU account with direct deposit equal to, or greater than, loan payment. ACU membership with $25 membership pledge required to open an account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.05%–10.80% | — |
| 37–48 months | 8.24%–10.99% | — |
| 49–60 months | 8.74%–11.49% | — |
| 61–72 months | 9.25%–10.75% | — |
| 73–84 months | 10.30% | — |
Sources (2)
All captured Oct 22, 2026
New & Used Auto Loans
ACU membership with $25 membership pledge required to open an account. Floor rate of 4.46% APR to include all possible discounts for autos. Rate discounts available up to max aggregate discount of 1.25%: 0.50% for Active-Duty Military, Military Veterans, and First-Responders; 0.25% for Debt Protection; 0.50% for external ACH payment or ACU autopay without direct deposit; 0.75% for autopay from ACU account with direct deposit equal to, or greater than, loan payment. Minimum loan amount: $10,000 for 61–72 months; $20,000 for 73–84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.21%–13.21% | — |
| 37–48 months | 5.77%–13.77% | — |
| 49–60 months | 5.93%–13.93% | — |
| 61–72 months | 5.99%–14.14% | Minimum loan amount of $10,000 for 61–72 months. |
| 73–84 months | 6.61%–8.36% | Minimum loan amount of $20,000 for 73–84 months. |
Sources (2)
All captured Oct 22, 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.
Where you live or work
- ACU membership is open to any individuals or businesses located in the Pacific Northwest.
- Anyone who lives, works, or worships in the Pacific Northwest can be a member.
Military, government and schools
- Active, retired, and reservist members of the armed forces across the Northwest are welcome to join ACU.
Membership information collected October 4, 2026.