Credit union · NCUA insured
Bell Credit Union Auto Loan Rates
Top CarrotBell Credit Union auto loans start at 3.75% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Bell Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hutchinson, KS, where Bell Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bell Credit Union
3.75%APR
- Terms
- 36–60 months
- Up to
- 11.00% APR
2026-2025 New Vehicles
2nd-lowest rate
Heartland Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
Hutchinson Government Employees CU
4.99%APR
- Terms
- up to 60 months
- Up to
- —
Bell Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bell 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.
2016 & Older Used Vehicles
Rates apply to new Bell CU loans and refinances from other financial institutions. Rate is determined by credit performance (Tiers A through D) and security offered. Any collateral that is not tagged and requires a UCC instead increases the interest rate by 0.50%.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.75%–13.50% | Tier A: 6.75% APR, Tier B: 9.50% APR, Tier C: 11.25% APR, Tier D: 13.50% APR. |
| 37–60 months | 7.00%–13.75% | Tier A: 7.00% APR, Tier B: 9.75% APR, Tier C: 11.50% APR, Tier D: 13.75% APR. |
2020 - 2017 Used Vehicles
Rates apply to new Bell CU loans and refinances from other financial institutions. Rate is determined by credit performance (Tiers A through D) and security offered. Any collateral that is not tagged and requires a UCC instead increases the interest rate by 0.50%.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00%–13.00% | Tier A: 5.00% APR, Tier B: 8.25% APR, Tier C: 10.25% APR, Tier D: 13.00% APR. |
| 37–60 months | 5.50%–13.25% | Tier A: 5.50% APR, Tier B: 8.75% APR, Tier C: 10.75% APR, Tier D: 13.25% APR. |
| 61–72 months | 5.75%–13.50% | Tier A: 5.75% APR, Tier B: 9.00% APR, Tier C: 11.00% APR, Tier D: 13.50% APR. |
2025 - 2021 Used Vehicles
Rates apply to new Bell CU loans and refinances from other financial institutions. Rate is determined by credit performance (Tiers A through D) and security offered. Any collateral that is not tagged and requires a UCC instead increases the interest rate by 0.50%.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 4.50%–12.50% | Tier A: 4.50% APR, Tier B: 7.75% APR, Tier C: 9.75% APR, Tier D: 12.50% APR. |
| 61–72 months | 4.75%–12.75% | Tier A: 4.75% APR, Tier B: 8.25% APR, Tier C: 10.25% APR, Tier D: 12.75% APR. |
| 73–84 months | 5.00%–13.00% | Tier A: 5.00% APR, Tier B: 8.75% APR, Tier C: 10.75% APR, Tier D: 13.00% APR. |
2026-2025 New Vehicles
Rates apply to new Bell CU loans and refinances from other financial institutions. Rate is determined by credit performance (Tiers A through D) and security offered. Any collateral that is not tagged and requires a UCC instead increases the interest rate by 0.50%.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 3.75%–11.00% | Tier A: 3.75% APR, Tier B: 6.75% APR, Tier C: 8.25% APR, Tier D: 11.00% APR. |
| 61–72 months | 4.00%–11.50% | Tier A: 4.00% APR, Tier B: 7.25% APR, Tier C: 8.75% APR, Tier D: 11.50% APR. |
| 73–84 months | 4.25%–12.00% | Tier A: 4.25% APR, Tier B: 7.50% APR, Tier C: 9.25% APR, Tier D: 12.00% APR. |
Who can join Bell Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.