Credit union · NCUA insured
Arapahoe Credit Union Auto Loan Rates
Arapahoe Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Arapahoe Credit Union’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where Arapahoe Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Arapahoe Credit Union
4.99%APR
- Terms
- 12–96 months
New Car/ Truck/ Van
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
Arapahoe Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Arapahoe 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 Refinance
For full benefits minimum loan amount is $5,000. Membership required. Refinance promotion floor rate based on CBR / credit tier. Terms over 60 months subject to rate increase up to 1.5%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Refinance Promotion Floor |
| up to 72 months | 5.49% | Refinance Promotion Floor |
| up to 84 months | 5.99% | Refinance Promotion Floor |
| up to 96 months | 6.49% | Refinance Promotion Floor |
Sources (2)
- arapahoecu.org/creditunion/support/ratesauto.html
- arapahoecu.org/creditunion/offers/refinancespecials.html
All captured Oct 15, 2026
New Car/ Truck/ Van
Open to All of Colorado. Arapahoe Credit Union membership is required. Approval required. Terms 12-96 months.
| Terms | APR | Conditions |
|---|---|---|
| 12–96 months | 4.99% | As low as rate. |
| up to 60 months | 4.99% | Credit Score: A+ 730+ |
| up to 72 months | 5.49% | Credit Score: A+ 730+ |
| up to 84 months | 5.99% | Credit Score: A+ 730+ |
| up to 96 months | 6.49% | Credit Score: A+ 730+ |
| up to 60 months | 5.49% | Credit Score: A 710-729 |
| up to 72 months | 5.99% | Credit Score: A 710-729 |
| up to 84 months | 6.49% | Credit Score: A 710-729 |
| up to 96 months | 6.99% | Credit Score: A 710-729 |
| up to 60 months | 6.99% | Credit Score: B 670-709 |
| up to 72 months | 7.49% | Credit Score: B 670-709 |
| up to 84 months | 7.99% | Credit Score: B 670-709 |
| up to 96 months | 8.49% | Credit Score: B 670-709 |
| up to 60 months | 10.24% | Credit Score: C 630-669 |
| up to 72 months | 10.74% | Credit Score: C 630-669 |
| up to 84 months | 11.24% | Credit Score: C 630-669 |
| up to 96 months | 11.74% | Credit Score: C 630-669 |
| up to 60 months | 13.49% | Credit Score: D 590-629 |
| up to 72 months | 13.99% | Credit Score: D 590-629 |
| up to 60 months | 16.24% | Credit Score: E <590 |
| up to 72 months | 16.99% | Credit Score: E <590 |
Sources (3)
- arapahoecu.org/creditunion/support/ratesauto.html
- arapahoecu.org/creditunion/support/rates.html
- arapahoecu.org/creditunion/loan/autoloan.html
All captured Oct 15, 2026
Used Car/ Truck/ Van
Open to All of Colorado. Arapahoe Credit Union membership is required. Approval required. Terms 12-96 months. Terms over 60 months subject to rate increase up to 1%. Lending on vehicles up to 15 years old.
| Terms | APR | Conditions |
|---|---|---|
| 12–96 months | 4.99% | As low as rate. |
| up to 60 months | 4.99%–16.24% | Credit scores A+ to E (<590 to 730+). Best APR for 730+. Max term for $0-$10,000 is 60 months. |
| up to 72 months | 5.49%–16.99% | Credit scores A+ to E (<590 to 730+). Best APR for 730+. Max term for $10,001 to $20,000 is 72 months. |
| up to 84 months | 5.99%–11.24% | Credit scores A+ to C (630 to 730+). Best APR for 730+. Max term for $20,001 to $50,000 is 84 months. |
| up to 96 months | 6.49%–11.74% | Credit scores A+ to C (630 to 730+). Best APR for 730+. Max term for $50,001 and up is 96 months. |
Sources (3)
- arapahoecu.org/creditunion/support/ratesauto.html
- arapahoecu.org/creditunion/support/rates.html
- arapahoecu.org/creditunion/loan/autoloan.html
All captured Oct 15, 2026
Who can join Arapahoe Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.