Credit union · NCUA insured
Ashland Credit Union Auto Loan Rates
Ashland Credit Union auto loans start at 5.08% APR for a new vehicle and 5.08% for a used one. Rates checked October 22, 2026.
How Ashland Credit Union’s auto loan rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Ashland Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ashland Credit Union
5.08%APR
- Terms
- 61–72 months
- Discount
- Included in the rate
New & Used Auto Loans
Lowest rate
Peoples Federal Credit Union
4.30%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
2nd-lowest rate
First Priority Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
Ashland Credit Union auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.08%
- Used vehicleUsed5.08%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ashland 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 & Used Auto Loans
New vehicles are current or previous year make/model; max loan amount is 120% MSRP less dealer discounts plus rebate-eligible additions. Used vehicles are model years 2 to 7 years previous of current year; max loan amount is 120% NADA retail plus rebate-eligible additions. Rate includes 0.25% reduction for LTV <= 80% and 0.50% reduction for electronic payment (direct deposit, payroll deduction, automatic withdrawal; if discontinued, rate increases 0.50%). APR based on $40,000 loan with $100 fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.66% | APR as low as 4.66%, interest rate as low as 4.49%. Vehicles older than 7 years prior to current year receive the Classic rate. |
| 37–48 months | 5.12% | APR as low as 5.12%, interest rate as low as 4.99%. |
| 49–60 months | 5.09% | APR as low as 5.09%, interest rate as low as 4.99%. |
| 61–72 months | 5.08% | APR as low as 5.08%, interest rate as low as 4.99%. Minimum value / financing amount $15,000. |
| 73–84 months | 6.07% | APR as low as 6.07%, interest rate as low as 5.99%. Minimum value / financing amount $40,000. |
Sources (1)
- ashlandcu.org/personal/borrow/…rtation-loans/auto-loans · captured Oct 15, 2026
Who can join Ashland 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, worship, or attend school in Bluegrass Area Development District (Kentucky counties of Anderson, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Mercer, Nicholas, Powell, Scott, and Woodford) are eligible for membership.
- Individuals who live, work, worship, or attend school in FIVCO Area Development District (Kentucky counties of Boyd, Carter, Elliott, Greenup, and Lawrence) are eligible for membership.
- Individuals who live, work, worship, or attend school in the Minnesota counties of Washington, Dakota, Ramsey, or Hennepin are eligible for membership.
Employers and groups
- Individuals currently or previously employed by one of Ashland Credit Union's sponsor companies/employer groups are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Membership information collected October 4, 2026.