Credit union · NCUA insured
Austin City Employees Credit Union Auto Loan Rates
Austin City Employees Credit Union auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Austin City Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Austin, MN, where Austin City Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Austin City Employees Credit Union
5.50%APR
- Terms
- up to 60 months
- Discount
- None included
Secured Auto 2018-2025
Lowest rate
Accentra Credit Union
5.06%APR
- Terms
- up to 72 months
- Discount
- None included
3rd-lowest rate
Old National Bank
6.01%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Austin City Employees Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Austin City Employees 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.
Secured Auto 2017 or older
Financed at 80% of retail value for 2018 and older vehicles. Rate is based on creditworthiness and loan term; lowest quoted rate requires meeting minimum credit score criteria. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.50% | Rate as low as quoted; rate based on creditworthiness and loan term. Lowest quoted rate requires meeting minimum credit score criteria. |
| up to 48 months | 6.50% | Rate as low as quoted; rate based on creditworthiness and loan term. Lowest quoted rate requires meeting minimum credit score criteria. |
Secured Auto 2018-2025
Financed at up to 100% of retail value for 2023-2026 vehicles and 90% of retail value for 2019-2022 vehicles. Rate is based on creditworthiness and loan term; lowest quoted rate requires meeting minimum credit score criteria. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | Rate as low as quoted; rate based on creditworthiness and loan term. Lowest quoted rate requires meeting minimum credit score criteria. |
| up to 36 months | 5.00% | Rate as low as quoted; rate based on creditworthiness and loan term. Lowest quoted rate requires meeting minimum credit score criteria. |
| up to 48 months | 5.25% | Rate as low as quoted; rate based on creditworthiness and loan term. Lowest quoted rate requires meeting minimum credit score criteria. |
| up to 60 months | 5.50% | Rate as low as quoted; rate based on creditworthiness and loan term. Lowest quoted rate requires meeting minimum credit score criteria. |
| up to 72 months | 6.00% | Rate as low as quoted; rate based on creditworthiness and loan term. Lowest quoted rate requires meeting minimum credit score criteria. |
| up to 84 months | 6.50% | Rate as low as quoted; rate based on creditworthiness and loan term. Lowest quoted rate requires meeting minimum credit score criteria. |
Who can join Austin City Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees who work for Austin Utilities are eligible to join.
Military, government and schools
- Employees who work for the City of Austin are eligible to join.
- Employees who work for Austin Public School District #492 are eligible to join.
Family and household
- Individuals related to a current member by blood, adoption, or marriage are eligible to join, regardless of where they live and work.
Membership information collected October 4, 2026.