Credit union · NCUA insured
BRECO FCU Auto Loan Rates
Top CarrotBRECO FCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How BRECO FCU’s auto loan rates compare
Compared with banks and credit unions near Baton Rouge, LA, where BRECO FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BRECO FCU
4.99%APR
- Terms
- —
Auto Loans
Lowest rate
Formation Credit Union
3.15%APR
- Terms
- up to 72 months
2nd-lowest rate
Baton Rouge City Parish Employees FCU
3.99%APR
- Terms
- up to 84 months
BRECO FCU auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BRECO FCU 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.
Auto Loans
Available for new or used vehicles. Up to 125% financing (including TT&L, GAP, and Extended Warranty). Normal underwriting and credit standards apply.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Limited time auto loan special: get up to 2% off qualifying loan rate with a floor rate of 4.99% APR. Available for new or used vehicles. Up to 90 days to defer first payment on recaptured autos. |
Sources (1)
- brecofcu.com/auto-loans · captured Oct 5, 2026
Who can join BRECO FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in the underserved designations of specified Louisiana parishes are eligible for membership.
Employers and groups
- Employees, members, or retirees of qualifying partner companies and associations are eligible to join.
Family and household
- Immediate family members of an existing BRECO FCU member are eligible for membership.
Cost to join
- Membership requires opening a Share Account with a deposit of $5.00 or more.
Membership information collected October 5, 2026.