Credit union · NCUA insured
Arcadia Credit Union Auto Loan Rates
Arcadia Credit Union auto loans start at 4.44% APR for a new vehicle and 4.44% for a used one. Rates checked October 16, 2026.
How Arcadia Credit Union’s auto loan rates compare
Compared with banks and credit unions in Wisconsin, where Arcadia Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Arcadia Credit Union
4.44%APR
- Terms
- —
- Discount
- None included
Auto Loans
Lowest rate
Community First Credit Union
3.50%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Oshkosh Community Credit Union
3.98%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Arcadia Credit Union auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew4.44%
- Used vehicleUsed4.44%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Arcadia 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 Loans
Up to 125% financing available for qualified buyers. Rates are determined by vehicle model year and term of loan. Rates are not based on credit score. Membership eligibility is required. All loans are subject to underwriting approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.44% | Model year 2027 - 2023. Fixed rate. Up to 125% financing. |
| — | 4.64% | Model year 2022 - 2017. Fixed rate. Up to 125% financing. |
| — | 6.59% | Model year 2016 - 2012. Fixed rate. Up to 125% financing. |
Sources (2)
- arcadiacu.com/loans-credit/per…al-loans/auto-loans.html
- arcadiacu.com/services-tools/tools/rates.html
All captured Oct 5, 2026
Who can join Arcadia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses located in one of the seven specified eligible counties are eligible for membership.
- Individuals who work or reside in Trempealeau, Buffalo, La Crosse, Eau Claire, Chippewa, or Jackson counties in Wisconsin, or Winona County in Minnesota, are eligible for membership.
Family and household
- Individuals who have an immediate family member (spouse, parent, sibling, child, grandparent, or grandchild) who is an established member are eligible for membership.
Other ways
- Businesses where a majority (greater than 50%) of the signers are eligible to become members are eligible for membership.
- Existing members retain their membership under the once a member, always a member policy.
Cost to join
- Membership requires opening a Super Share Savings account with a $5 deposit and providing a non-expired government-issued photo ID.
Membership information collected October 5, 2026.