Credit union · NCUA insured
Baptist Health Federal Credit Union Auto Loan Rates
Baptist Health Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 6.99% for a used one. Rates checked October 22, 2026.
How Baptist Health Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Little Rock, AR, where Baptist Health Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Baptist Health Federal Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- None included
New/Pre-Owned 2022-2027
Lowest rate
Telcoe Federal Credit Union
3.74%APR
- Terms
- up to 84 months
- Discount
- None included
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Baptist Health Federal Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Baptist Health 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.
New/Pre-Owned 2022-2027
Interest accrues during deferred payment. Rate determined by credit score, credit history, debt-to-income, and loan-to-value. Full coverage insurance with maximum deductible of $1,000 required. First payment deferred up to 90 days. Current BHFCU loans not eligible to refinance at promotional rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Rates as low as based on creditworthiness; terms up to 36 months. |
| up to 48 months | 4.24% | Rates as low as based on creditworthiness; terms up to 48 months. |
| up to 60 months | 4.74% | Rates as low as based on creditworthiness; terms up to 60 months. |
| up to 72 months | 5.24% | Rates as low as based on creditworthiness; terms up to 72 months. |
| up to 84 months | 6.49% | Rates as low as based on creditworthiness; terms up to 84 months. |
Sources (1)
- baptist-healthfcu.com/auto-loan.html · captured Oct 7, 2026
Pre-Owned 2016 & Older
Interest accrues during deferred payment. Rate determined by credit score, credit history, debt-to-income, and loan-to-value. Full coverage insurance with maximum deductible of $1,000 required. First payment deferred up to 90 days. Current BHFCU loans not eligible to refinance at promotional rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | Rates as low as based on creditworthiness; terms up to 36 months. |
| up to 48 months | 6.99% | Rates as low as based on creditworthiness; terms up to 48 months. |
Sources (1)
- baptist-healthfcu.com/auto-loan.html · captured Oct 7, 2026
Pre-Owned Auto 2017-2021
Interest accrues during deferred payment. Rate determined by credit score, credit history, debt-to-income, and loan-to-value. Full coverage insurance with maximum deductible of $1,000 required. First payment deferred up to 90 days. Current BHFCU loans not eligible to refinance at promotional rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99% | Rates as low as based on creditworthiness; terms up to 36 months. |
| up to 48 months | 6.49% | Rates as low as based on creditworthiness; terms up to 48 months. |
| up to 60 months | 6.99% | Rates as low as based on creditworthiness; terms up to 60 months. |
Sources (1)
- baptist-healthfcu.com/auto-loan.html · captured Oct 7, 2026
Who can join Baptist Health Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, retirees, and volunteers of Baptist Health and other healthcare service industries are eligible for membership.
Family and household
- Family members of employees, retirees, and volunteers of Baptist Health and other healthcare service industries are eligible for membership.
Membership information collected October 4, 2026.