Credit union · NCUA insured
Associated Credit Union Auto Loan Rates
Top CarrotAssociated Credit Union auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 22, 2026.
How Associated Credit Union’s auto loan rates compare
Compared with banks and credit unions near Atlanta, GA, where Associated Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Associated Credit Union
4.25%APR
- Terms
- up to 84 months
- Up to
- 14.75% APR
Vehicle Loan
Lowest rate
Go Energy Credit Union
3.59%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
On The Grid Financial
3.75%APR
- Terms
- 49–60 months
- Up to
- —
Associated Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Associated 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.
Vehicle Loan
Must qualify for loan under ACU guidelines, including age (minimum 18 years of age) and value of auto. The minimum Auto Loan amount is $5,000. Terms of 72-83 months must finance $15,000 or more. Terms of 84 months or greater must finance $25,000 or more. Rates vary based on term of loan, age of vehicle, and your credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.25%–14.75% | 2027 - 2024 NADA Retail / MSRP. Terms of 72-83 months must finance $15,000 or more. Terms of 84 months or greater must finance $25,000 or more. |
| up to 75 months | 4.75%–14.25% | 2023 - 2022 NADA Retail. Terms of 72-83 months must finance $15,000 or more. |
| up to 66 months | 5.75%–14.25% | 2021 - 2019 NADA Retail. |
Sources (1)
- acuonline.org/home/rates/personal/vehicle-loan · captured Oct 5, 2026
Who can join Associated Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.