Credit union · NCUA insured
Amplify Credit Union Auto Loan Rates
Amplify Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How Amplify Credit Union’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where Amplify Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Amplify Credit Union
5.00%APR
- Terms
- 49–66 months
- Discount
- None included
Auto Loan (New/Used)
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Amplify 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 Amplify 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.
Auto Loan (New/Used)
Rates effective as of 01/16/2026. Final APR determined at time of loan funding and based on application, creditworthiness, and individual credit information. Vehicle model year 2019 and newer (manufactured within the last nine years). Does not apply to existing Amplify Credit Union loans. Full coverage insurance with a maximum deductible of $1,000 is required. Requires Amplify Credit Union be added as lienholder. Does not underwrite auto loans through Carvana. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.80% | — |
| 49–66 months | 5.00% | — |
| 67–75 months | 5.20% | — |
| 76–84 months | 6.00% | — |
Motorcycle
Rates effective as of 06/05/26. Loans subject to credit approval. All loan rates based on creditworthiness and may vary. Amplify also offers loans for new motorcycle or used vehicles manufactured within the last six years.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.65% | Rates effective as of 06/05/26. Loans subject to credit approval. All loan rates based on creditworthiness and may vary. |
Who can join Amplify Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or attend school anywhere in Texas are eligible to join Amplify Credit Union.
Membership information collected October 5, 2026.