Credit union · NCUA insured
Avestar CU Auto Loan Rates
Avestar CU auto loans start at 5.00% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Avestar CU’s auto loan rates compare
Compared with banks and credit unions near Madison, WI, where Avestar CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Avestar CU
5.00%APR
- Terms
- 37–60 months
- Discount
- None included
New Autos/ Motor Cycles 2025 Or Newer
Lowest rate
Bank of Sun Prairie
4.70%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
2nd-lowest rate
Madison Fire Department Credit Union
4.87%APR
- Terms
- up to 60 months
- Discount
- None included
Avestar CU auto loan score
78
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.00%
- 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 Avestar CU 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.
2019 and Older
APR based on creditworthiness and term of loan. Rate as low as. Monthly payment per $1,000 borrowed shown on schedule.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 6.25% | — |
| 37–60 months | 7.00% | — |
| 61–72 months | 8.00% | Vehicle over $20,000 |
Sources (1)
- avestarcu.com/loan-rates · captured Oct 5, 2026
New Autos/ Motor Cycles 2025 Or Newer
APR based on creditworthiness and term of loan. Rate as low as. Monthly payment per $1,000 borrowed shown on schedule.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.50% | — |
| 37–60 months | 5.00% | — |
| 61–75 months | 5.25% | — |
| 76–84 months | 6.25% | — |
Sources (1)
- avestarcu.com/loan-rates · captured Oct 5, 2026
Used Autos/ Motor Cycles 2020 to 2024
APR based on creditworthiness and term of loan. Rate as low as. Monthly payment per $1,000 borrowed shown on schedule.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.00% | — |
| 37–60 months | 5.25% | — |
| 61–75 months | 6.25% | — |
| 76–84 months | 6.50% | Applicable to model years 2023 & 2024 |
Sources (1)
- avestarcu.com/loan-rates · captured Oct 5, 2026
Who can join Avestar CU
This may be incomplete or out of date, so check with the credit union before you apply.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 anyone living or employed in Columbia, Jefferson, Dane, Dodge, Iowa, or Rock Counties.
Membership information collected October 5, 2026.