Credit union · NCUA insured
ARH Federal Credit Union Auto Loan Rates
ARH Federal Credit Union auto loans start at 6.99% APR for a new vehicle and 8.99% for a used one. Rates checked October 22, 2026.
How ARH Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Middlesborough, KY, where ARH Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ARH Federal Credit Union
6.99%APR
- Terms
- up to 72 months
- Up to
- 18.00% APR
New Vehicles
Lowest rate
Y-12 Federal Credit Union
5.99%APR
- Terms
- —
- Up to
- —
ARH Federal Credit Union auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew6.99%
- Used vehicleUsed8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ARH Federal 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.
New Vehicles
Up to 100% financing plus taxes & fees. Up to 6 year terms. $50.00 Loan Application Fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.99%–18.00% | Model years 2023-2025; Credit Rating A-D. |
Used Vehicles
Up to 100% financing of NADA plus taxes & fees and up to 5 year terms. $50.00 Loan Application Fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.99%–18.00% | Model years 2022-2019; Credit Rating A-D. |
| up to 60 months | 10.99%–18.00% | Model years 2018-2015; Credit Rating A-D. |
Who can join ARH Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or goes to school in Bell County.
Employers and groups
- Membership is open to employees, doctors, medical staff, and technicians of Appalachian Regional Hospitals and related medical affiliates working in Kentucky, Virginia, and West Virginia.
- Membership is open to employees of ARH Federal Credit Union.
- Membership is open to employees of over 80 Select Employee Groups (ranging from city employees and mining employees to small businesses and manufacturing employees) working in southeastern Kentucky.
Family and household
- Membership is open to members of immediate families (including parents, brothers, sisters, aunts, uncles, grandparents, etc.) of eligible persons.
- Membership is open to spouses of persons who died while within the field of membership.
2 more ways to join
Other ways
- Membership is open to organizations of eligible persons.
- Membership is open to persons retired as pensioners or annuitants.
Membership information collected October 4, 2026.