Credit union · NCUA insured
Centris Federal Credit Union Auto Loan Rates
Top CarrotCentris Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 22, 2026.
How Centris Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Centris Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Centris Federal Credit Union
3.99%APR
- Terms
- 24–63 months
Auto Loans
Lowest rate
Kellogg Credit Union
3.24%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Centris Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Centris 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
Rates, terms, and conditions are subject to change and based on creditworthiness, qualifications, loan-to-value ratio, vehicle mileage and collateral age. All loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| 24–63 months | 3.99% | Loan must be secured by a 2022 or newer Auto and under 50,000 miles. To qualify for this rate, you must have an automatic payment from a checking account and $5,000 New Money. |
| 64–75 months | 4.49% | Loan must be secured by a 2022 or newer Auto and under 50,000 miles. To qualify for this rate, you must have an automatic payment from a checking account and $5,000 New Money. |
| 76–84 months | 4.99% | Loan must be secured by a 2022 or newer Auto and under 50,000 miles. To qualify for this rate, you must have an automatic payment from a checking account and $5,000 New Money. |
| 24–63 months | 4.24% | Loan must be secured by a 2022 or newer Auto. To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. |
| 64–75 months | 4.74% | Loan must be secured by a 2022 or newer Auto. To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. |
| 76–84 months | 5.74% | Loan must be secured by a 2022 or newer Auto. To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. |
| 24–63 months | 5.49% | Loan must be secured by a 2019-2021 Auto OR Special Interest Auto. To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. |
| 64–75 months | 5.99% | Loan must be secured by a 2019-2021 Auto OR Special Interest Auto. To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. |
| 24–63 months | 6.49% | Loan must be secured by a 2016-2018 Auto. To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. |
| 64–75 months | 6.99% | Loan must be secured by a 2016-2018 Auto. To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. |
Sources (3)
All captured Oct 7, 2026
Who can join Centris 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
- Persons who live, work, worship, or attend school in specified counties in Nebraska (Cass, Dodge, Douglas, Sarpy, Saunders, Lincoln, McPherson, Washington) or Iowa (Harrison, Mills, Pottawattamie) are eligible for membership.
Family and household
- Relatives of existing Centris members are eligible for membership.
Membership information collected October 4, 2026.