Credit union · NCUA insured
Campus Federal Auto Loan Rates
Campus Federal auto loans start at 6.24% APR for a new vehicle and 6.24% for a used one. Rates checked October 16, 2026.
How Campus Federal’s auto loan rates compare
Compared with banks and credit unions near Baton Rouge, LA, where Campus Federal has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Campus Federal
6.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Formation Credit Union
3.15%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
Baton Rouge City Parish Employees FCU
3.99%APR
- Terms
- up to 84 months
- Discount
- None included
Campus Federal auto loan score
63
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew6.24%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Campus Federal 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
Offer is subject to membership and credit approval. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. Up to 100% financing available. No prepayment penalty. Maximum term varies by model year (Model years 2025-2026 up to 90 months, 2022-2024 up to 78 months, 2020-2021 up to 72 months, 2019 or older up to 60 months).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.24% | APR as low as stated. Rates reflect a 0.25% discount for auto-debit payments from a Campus Federal or other financial institution account. Subject to membership and credit approval. |
| up to 36 months | 6.24% | APR as low as stated. Rates reflect a 0.25% discount for auto-debit payments from a Campus Federal or other financial institution account. Subject to membership and credit approval. |
| up to 48 months | 6.24% | APR as low as stated. Rates reflect a 0.25% discount for auto-debit payments from a Campus Federal or other financial institution account. Subject to membership and credit approval. |
| up to 60 months | 6.24% | APR as low as stated. Rates reflect a 0.25% discount for auto-debit payments from a Campus Federal or other financial institution account. Subject to membership and credit approval. |
| up to 72 months | 6.54% | APR as low as stated. Rates reflect a 0.25% discount for auto-debit payments from a Campus Federal or other financial institution account. Subject to membership and credit approval. |
| up to 78 months | 6.74% | APR as low as stated. Rates reflect a 0.25% discount for auto-debit payments from a Campus Federal or other financial institution account. Subject to membership and credit approval. |
| up to 84 months | 6.89% | APR as low as stated. Rates reflect a 0.25% discount for auto-debit payments from a Campus Federal or other financial institution account. Subject to membership and credit approval. |
| up to 90 months | 7.39% | APR as low as stated. Rates reflect a 0.25% discount for auto-debit payments from a Campus Federal or other financial institution account. Subject to membership and credit approval. 90 month term subject to a minimum loan amount of $60,000. Maximum term for Model years 2025-2026. |
Sources (5)
- campusfederal.org
- campusfederal.org/autoloan
- campusfederal.org/auto-refinance
- campusfederal.org/products/vehicle-loans
- campusfederal.org/rates
All captured Oct 16, 2026
First-Time Autobuyer Program
Designed for borrowers with no credit. Subject to membership and credit approval. Campus Federal will finance up to 110% of Invoice for new auto or NADA retail value for used autos. Maximum loan amount stated as $30,000 on product page and $35,000 on rates page. 1% interest rate reduction reward for remainder of the loan after first 12 monthly payments on time. Maximum terms for used vehicles are between 48 and 72 months depending on vehicle's age and mileage.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 8.24% | Annual Percentage Rate (APR) as low as 8.24%, up to 72 months for new auto with auto pay from a Campus Federal account or complete ACH from another financial institution. 1% interest rate reduction rewarded after first 12 monthly on-time payments. Maximum loan amount $30,000 (vehicle-loans page) / $35,000 (rates page). |
| up to 72 months | 8.49% | Standard APR as low as 8.49% on auto loan for up to 72 months without autopay discount. 1% interest rate reduction rewarded after first 12 monthly on-time payments. |
Who can join Campus Federal
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, or worship in Baton Rouge, Orleans Parish, or the Shreveport MSA (Caddo, Bossier, and Webster Parishes).
Employers and groups
- Members of the American Consumer Council (ACC) who live in Louisiana.
- Employees or affiliated individuals of Business Partners (Select Employee Groups).
Military, government and schools
- Individuals eligible through affiliation with LSU.
Family and household
- Family members of eligible individuals.
Cost to join
- One-time nonrefundable membership fee of $10.
- Purchase of one share with a par value of $5 in any deposit account, remaining on deposit for the duration of membership.
Membership information collected October 5, 2026.