Credit union · NCUA insured
CenLA Federal Credit Union Auto Loan Rates
CenLA Federal Credit Union auto loans start at 6.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How CenLA Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Alexandria, LA, where CenLA Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CenLA Federal Credit Union
6.25%APR
- Terms
- up to 84 months
- Up to
- —
New & Used Auto Loans
Lowest rate
Valex Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 5.49% APR
2nd-lowest rate
Heart of Louisiana Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- —
CenLA Federal Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CenLA 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 & Used Auto Loans
Covers New and Used Autos, Trucks & SUVs. Up to 100% financing. $0 down. Maximum loan amounts apply based on credit score. Rates effective June 1, 2026. AUTO FLASH SALE: 1% APR Discount Rate on New & Used Autos (October 1 - November 30, 2026).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.25% | Year 2023 - 2026. 48 months. APR as low as 5.25%. |
| up to 60 months | 5.50% | Year 2023 - 2026. 60 months. APR as low as 5.50%. |
| up to 72 months | 5.75% | Year 2023 - 2026. 72 months. APR as low as 5.75%. Maximum Loan Amounts apply based on credit score. |
| up to 84 months | 6.25% | Year 2023 - 2026. 84 months. APR as low as 6.25%. New Vehicles Only. Minimum Loan Amount $50,000, Maximum Loan Amount $150,000. |
| up to 48 months | 6.00% | Year 2021 - 2022. 48 months. APR as low as 6.0%. |
| up to 60 months | 6.25% | Year 2021 - 2022. 60 months. APR as low as 6.25%. |
Sources (2)
All captured Oct 5, 2026
Older Used Model Vehicles
Older Model Vehicles Year Model 2014-2018. NADA Loan Value Only. Rates as of 06/01/2026. AUTO FLASH SALE mentions 1% APR Discount Rate October 1 - November 30, 2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.50% | Year 2014-2018. Older Model Vehicles (NADA Loan Value Only). 36 months. APR as low as 8.50%. |
Sources (1)
- cenlafcu.org/rates · captured Oct 5, 2026
Who can join CenLA Federal Credit Union
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 who lives, works, worships, or attends school in Catahoula, Grant, LaSalle, Rapides, and Winn Parishes.
Employers and groups
- Membership is open to employees of Union Tank Car.
Military, government and schools
- Membership is open to LA Special Education employees.
- Membership is open to school employees in Catahoula, Grant, LaSalle, Rapides, Winn, and Vernon Parishes.
Family and household
- Membership is open to family members of school employees in Catahoula, Grant, LaSalle, Rapides, Winn, and Vernon Parishes.
Membership information collected October 5, 2026.