Credit union · NCUA insured
Atomic Credit Union Auto Loan Rates
Top CarrotAtomic Credit Union auto loans start at 4.57% APR for a new vehicle and 4.57% for a used one. Rates checked October 16, 2026.
How Atomic Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portsmouth, OH, where Atomic Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Atomic Credit Union
4.57%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New & Used Car Loans
2nd-lowest rate
Desco Federal Credit Union
4.74%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Atomic Credit Union auto loan score
89
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.57%
- Used vehicleUsed4.57%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Atomic 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.
Motorcycles
Motorcycles financing. Actual rates may vary based on loan type, loan amount, age of collateral, term of loan and credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 9.88% | Annual Percentage Rate is based on a $20,000.00 loan with a $125.00 Loan Origination Fee, $35.06 VSI Premium and a 60 Month Term. Maximum term 72 months. Actual rates may vary based on loan type, loan amount, age of collateral, term of loan and credit score. |
Sources (2)
All captured Oct 16, 2026
New & Used Car Loans
Financing available for new and used cars, pickups, SUVs, and vans. Flexible repayment terms of up to 84 months. Special terms and up to 100% financing available for recent college or trade school graduates.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.57% | — |
Who can join Atomic 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This may be incomplete or out of date, so check with the credit union before you apply.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 was extended to anyone who lives, works, or worships in Adams, Brown, Gallia, Highland, Lawrence, Pike, and Scioto counties.
Cost to join
- Opening a Membership Savings Account requires $5 to start and gain access to membership.
Membership information collected October 5, 2026.