Credit union · NCUA insured
Audubon Federal Credit Union Auto Loan Rates
Audubon Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Audubon Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Owensboro, KY, where Audubon Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Audubon Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- 15.25% APR
- Discount
- None included
New Vehicles
2nd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
3rd-lowest rate
Daviess County Teachers Federal Credit Union
5.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Audubon Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Audubon 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.
Motorcycle/Boat
*APR = Annual Percentage Rate. ** 84 Month - Minimum $20,000. Lowest Rate Promise available to members with active Checking Account and automatic deposit / auto draft. Loans subject to membership eligibility and credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.25%–16.75% | Model Year: < 2016. Credit score: A+ = 750+ to E = 549-. |
| up to 66 months | 8.00%–17.00% | Model Year: 2017-2018. Credit score: A+ = 750+ to E = 549-. |
| up to 72 months | 7.75%–16.75% | Model Year: 2019-2021. Credit score: A+ = 750+ to E = 549-. |
| up to 72 months | 7.25%–17.25% | Model Year: 2022-2023. Credit score: A+ = 750+ to E = 549-. |
| up to 84 months | 7.00%–17.00% | Model Year: 2024-2026. Credit score: A+ = 750+ to E = 549-. Minimum $20,000. |
New Vehicles
*APR = Annual Percentage Rate. Lowest Rate Promise available to members with active Checking Account and automatic deposit / auto draft. Loans subject to membership eligibility and credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50%–15.00% | Credit score: A+ (750+) to E (549-). |
| up to 60 months | 4.75%–15.25% | Credit score: A+ (750+) to E (549-). |
| up to 72 months | 5.00%–15.50% | Credit score: A+ (750+) to E (549-). |
| up to 84 months | 5.50%–16.00% | Credit score: A+ (750+) to E (549-). Minimum $20,000. |
Used Vehicles
*APR = Annual Percentage Rate. Lowest Rate Promise available to members with active Checking Account and automatic deposit / auto draft. Loans subject to membership eligibility and credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.50%–17.50% | Model Year: 2016 & Older. Credit score: A+ (750+) to E (549-). |
| up to 60 months | 7.75%–17.75% | Model Year: 2016 & Older. Credit score: A+ (750+) to E (549-). |
| up to 60 months | 7.00%–17.00% | Model Year: 2017-2019. Credit score: A+ (750+) to E (549-). |
| up to 72 months | 7.25%–17.25% | Model Year: 2017-2019. Credit score: A+ (750+) to E (549-). |
| up to 60 months | 5.50%–15.50% | Model Year: 2020-2022. Credit score: A+ (750+) to E (549-). |
| up to 72 months | 6.25%–16.25% | Model Year: 2020-2022. Credit score: A+ (750+) to E (549-). |
| up to 60 months | 5.00%–15.00% | Model Year: 2023-2026. Credit score: A+ (750+) to E (549-). |
| up to 72 months | 5.25%–15.25% | Model Year: 2023-2026. Credit score: A+ (750+) to E (549-). |
| up to 84 months | 5.75%–15.75% | Model Year: 2023-2026. Credit score: A+ (750+) to E (549-). Minimum $20,000. |
Who can join Audubon 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
- Neighbors in Hancock, McLean, and Ohio Counties in Kentucky are eligible for membership.
- Anyone who lives, works, or attends school or church in Daviess County, Kentucky is eligible for membership.
Family and household
- Anyone who has family who are already members is eligible to join AFCU.
- Anyone living in the same household or directly related to a member is eligible for membership.
Cost to join
- A savings account requires a minimum opening deposit of $5.00.
Membership information collected October 4, 2026.