Credit union · NCUA insured
CENT Credit Union Auto Loan Rates
CENT Credit Union auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How CENT Credit Union’s auto loan rates compare
Compared with banks and credit unions near Mason City, IA, where CENT Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CENT Credit Union
4.99%APR
- Terms
- up to 60 months
New Vehicle 2025 - Newer
2nd-lowest rate
Iowa Heartland Credit Union
5.25%APR
- Terms
- —
3rd-lowest rate
North Iowa Community Credit Union
5.49%APR
- Terms
- up to 60 months
CENT Credit Union auto loan score
78
Auto loan score
Higher than 47% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CENT 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 Vehicle 2025 - Newer
Rates based on Beacon Score of 740+. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Rate quoted is for a minimum of $5,000.00 of new money. An additional 1% will be added to the interest rate of any loans not paid through automatic electronic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money. |
| 61–72 months | 5.49% | As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money. |
| 73–84 months | 5.99% | As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money. |
| 85–120 months | 6.49% | As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money. |
Sources (1)
- centcu.org/lending-rates · captured Oct 16, 2026
Used Vehicle 2017 - Older
Rates based on Beacon Score of 740+. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Rate quoted is for a minimum of $5,000.00 of new money. An additional 1% will be added to the interest rate of any loans not paid through automatic electronic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.99% | As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money. |
| 61–72 months | 8.99% | As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money. |
| 73–84 months | 9.99% | As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money. |
Sources (1)
- centcu.org/lending-rates · captured Oct 16, 2026
Used Vehicle 2018 - 2024
Rates based on Beacon Score of 740+. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Rate quoted is for a minimum of $5,000.00 of new money. An additional 1% will be added to the interest rate of any loans not paid through automatic electronic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money. |
| 61–72 months | 6.49% | As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money. |
| 73–84 months | 6.99% | As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money. |
| 85–120 months | 7.49% | As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money. |
Sources (1)
- centcu.org/lending-rates · captured Oct 16, 2026
Who can join CENT Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents or workers in designated counties in Iowa and South Dakota are eligible for membership.
Family and household
- Family members of current CENT members are eligible for membership.
Membership information collected October 4, 2026.