Credit union · NCUA insured
Centra Credit Union Auto Loan Rates
Centra Credit Union auto loan rates start at 3.49% APR. Rates checked October 15, 2026.
How Centra Credit Union’s auto loan rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Centra Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Centra Credit Union
– –
- Terms
- —
No ongoing APR published
Lowest rate
Brown Forman Employees Credit Union
3.99%APR
- Terms
- —
2nd-lowest rate
Louisville/Jefferson County Metropolitan Sewer District (MSD)
4.25%APR
- Terms
- up to 72 months
Louisville/Jefferson County Metropolitan Sewer District (MSD) rates
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.
Special Auto Loan
Offer available for auto and motorcycles. Automatic payments qualify for a 0.25% rate discount resulting in rates as low as 3.49% APR. Refinanced loans must be a new loan to Centra OR Centra loan payoffs with a minimum $2,500 new money required and 6 months payment history. Person-to-person purchases and dealership purchases funded directly through Centra are eligible; indirect loans originated through a dealership are not eligible. Valid for applications taken from March 2, 2026 through May 16, 2026, with loan closings required by May 31, 2026. Option to defer payments up to 90 days. Rate varies by term, credit score, age of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.49% | With automatic payment from a Centra checking account (includes 0.25% rate discount). Valid for applications from March 2, 2026 through May 16, 2026, closing by May 31, 2026. Up to 90 days no payment option available. |
Sources (1)
- centra.org/special-auto-loan · captured Oct 7, 2026
Who can join Centra Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You can bank at Centra if you live or work in specified Indiana counties or specified Marion County townships.
- You can bank at Centra if you live or work in specified Kentucky counties.
Family and household
- You can bank at Centra if your immediate family members live or work in the eligible Indiana or Kentucky counties/townships.
Membership information collected October 5, 2026.