Credit union · NCUA insured
Auburn University Credit Union Auto Loan Rates
Top CarrotAuburn University Credit Union auto loans start at 4.75% APR for a new vehicle and 5.25% for a used one. Rates checked October 15, 2026.
How Auburn University Credit Union’s auto loan rates compare
Compared with banks and credit unions near Auburn, AL, where Auburn University Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Auburn University Credit Union
4.75%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
New Cars
2nd-lowest rate
SouthState Bank
5.23%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Auburn University Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Auburn University 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 Cars
Up to 120% financing. Existing auto loans not available for refinance. $20,000 minimum amount financed for new auto loans over 72 months. Add 3 months onto term with purchase of GAP/CL/Warranty. 0.25% APR discount for relationship banking (members who have previously financed a vehicle with AU Credit Union). No application fee. Rates and terms are based upon individual credit worthiness and subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.75% | As low as 4.75% APR. Terms up to 72 months (6 years). $20,000 minimum amount financed for new auto loans over 72 months. Up to 120% financing. 0.25% APR discount for relationship banking. |
| up to 72 months | 5.75% | Starting at 5.75% APR with terms up to 72 months. |
New Motorcycles
New Motorcycles equals 0-2 year old models. Up to 125% financing. No application fee.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.00% | As low as 7.00% APR for new motorcycles (0-2 year old models). Up to 125% financing. |
Used Auto Loans
Rates based on individual creditworthiness. Relationship Banking discount 0.25% APR for members who have previously financed a vehicle.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.25% | As low as rate. Creditworthiness subject to approval. |
| up to 60 months | 6.25% | Terms up to 5 years. 0.25% Discount if you have previously financed a vehicle with AUCU. |
Used Cars
Up to 120% financing. Existing auto loans not available for refinance. Add 3 months onto term with purchase of GAP/CL/Warranty. 0.25% APR discount for relationship banking (members who have previously financed a vehicle with AU Credit Union). No application fee. Rates and terms are based upon individual credit worthiness and subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.25% | As low as 5.25% APR. Terms up to 5 years (60 months). Up to 120% financing. 0.25% APR discount for relationship banking. |
| — | 6.25% | Used vehicle financing begins at 6.25% APR. |
Used Motorcycles
Used Motorcycles equals 3-8 year old models. Up to 125% financing. No application fee.
| Terms | APR | Conditions |
|---|---|---|
| — | 9.00% | As low as 9.00% APR for used motorcycles (3-8 year old models). Up to 125% financing. |
Who can join Auburn University 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 individuals who live, work, worship, or attend school in Lee, Montgomery, Chambers, Pike, Barbour, Bullock, Macon, Elmore, Tallapoosa, Coosa, and Russell counties.
Employers and groups
- Membership is open to Auburn Alumni Association life members.
- Membership is open to Friends of the Foundation members residing in Alabama, Florida, or Georgia.
Military, government and schools
- Membership is open to Auburn University or AUM alumni.
- Membership is open to Auburn University and AUM students, employees, and their families.
- Membership is open to City of Auburn employees and their families.
2 more ways to join
Military, government and schools
- Membership is open to Auburn City School employees and their families.
Family and household
- Membership is open to immediate family members of eligible members.
Membership information collected October 4, 2026.