Credit union · NCUA insured
Centric Federal Credit Union Auto Loan Rates
Top CarrotCentric Federal Credit Union auto loans start at 6.50% APR for a new vehicle. Rates checked October 16, 2026.
How Centric Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Monroe, LA, where Centric Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Centric Federal Credit Union
6.50%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Kraftman Federal Credit Union
4.25%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Sevenfold Federal Credit Union
4.50%APR
- Terms
- —
- Discount
- None included
Centric Federal Credit Union auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Centric 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.
Auto Loans
Member agrees to auto-pay. APR Subject to Credit Approval | Membership Eligibility Required | Not all will qualify for a loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.75% | Monthly Payment per $1000: $44.13. Financed: New (Non Real Estate). Member agrees to auto-pay. Credit approval and membership eligibility required. |
| 25–36 months | 6.00% | Monthly Payment per $1000: $30.42. Financed: New (Non Real Estate). Member agrees to auto-pay. Credit approval and membership eligibility required. |
| 37–48 months | 6.25% | Monthly Payment per $1000: $23.58. Financed: New (Non Real Estate). Member agrees to auto-pay. Credit approval and membership eligibility required. |
| 49–60 months | 6.50% | Monthly Payment per $1000: $19.57. Financed: New (Non Real Estate). Member agrees to auto-pay. Credit approval and membership eligibility required. |
| 61–72 months | 6.75% | Monthly Payment per $1000: $16.98. Financed: New (Non Real Estate). Member agrees to auto-pay. Credit approval and membership eligibility required. |
| 73–84 months | 7.00% | Monthly Payment per $1000: $15.09. Financed: New (Non Real Estate). Member agrees to auto-pay. Credit approval and membership eligibility required. |
| 85–96 months | 7.50% | Monthly Payment per $1000: $13.88. Financed: New (Non Real Estate). Member agrees to auto-pay. Credit approval and membership eligibility required. |
Sources (2)
All captured Oct 16, 2026
Who can join Centric 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 physically lives, works, worships, or attends school, or any businesses and other legal entities located in 22 specified parishes in Louisiana and 6 specified counties in Arkansas.
Cost to join
- Members must pay a one-time membership fee of $3.
- Members must deposit and maintain $5 in a Centric savings account.
Membership information collected October 5, 2026.