Credit union · NCUA insured
Century Credit Union Auto Loan Rates
Century Credit Union auto loans start at 4.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 17, 2026.
How Century Credit Union’s auto loan rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Century Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Century Credit Union
4.99%APR
- Terms
- up to 66 months
- Up to
- —
- Discount
- Included in the rate
New Auto, Truck, SUV & Van
Lowest rate
St. Louis Policemen's Credit Union
3.50%APR
- Terms
- —
- Up to
- 12.25% APR
- Discount
- None included
2nd-lowest rate
First Missouri Credit Union
3.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Century Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Century 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.
2015-2006 Auto, Truck, SUV & Van
Rates are determined by credit score, loan term, and age of vehicle. Rates listed are the lowest possible and include a 0.25% discount for automatic payment. Open to members living or working in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
| Terms | APR | Conditions |
|---|---|---|
| up to 30 months | 8.74% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 42 months | 8.99% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 54 months | 9.24% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 60 months | 9.49% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
2020-2016 Auto, Truck, SUV & Van
Rates are determined by credit score, loan term, and age of vehicle. Rates listed are the lowest possible and include a 0.25% discount for automatic payment. Open to members living or working in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
| Terms | APR | Conditions |
|---|---|---|
| up to 30 months | 4.99% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 42 months | 5.24% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 54 months | 5.49% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 66 months | 5.74% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 72 months | 6.24% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. 72-month loan must be greater than $15,000. |
2022 and Older Motorcycle
Rates are determined by credit score, loan term, and age of the vehicle. Rates listed are the lowest possible at Century and include a 0.25% discount for automatic payment. Open to members living or working in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
| Terms | APR | Conditions |
|---|---|---|
| up to 30 months | 8.74% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 42 months | 8.99% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 54 months | 9.24% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 60 months | 9.49% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
2025-2021 Auto, Truck, SUV & Van
Rates are determined by credit score, loan term, and age of vehicle. Rates listed are the lowest possible and include a 0.25% discount for automatic payment. Open to members living or working in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
| Terms | APR | Conditions |
|---|---|---|
| up to 30 months | 4.49% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 42 months | 4.74% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 54 months | 4.99% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 66 months | 5.24% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 78 months | 5.74% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. 72-month loan must be greater than $15,000. |
| up to 84 months | 6.49% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. 84-month loan must be greater than $25,000. |
2025-2023 Motorcycle
Rates are determined by credit score, loan term, and age of the vehicle. Rates listed are the lowest possible at Century and include a 0.25% discount for automatic payment. Open to members living or working in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
| Terms | APR | Conditions |
|---|---|---|
| up to 30 months | 6.74% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 42 months | 6.99% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 54 months | 7.24% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 60 months | 7.49% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
New Auto, Truck, SUV & Van
Rates are determined by credit score, loan term, and age of vehicle. Rates listed are the lowest possible and include a 0.25% discount for automatic payment. Open to members living or working in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
| Terms | APR | Conditions |
|---|---|---|
| up to 30 months | 4.24% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 42 months | 4.49% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 54 months | 4.74% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 66 months | 4.99% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 78 months | 5.49% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. 72-month loan must be greater than $15,000. |
| up to 84 months | 6.24% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. 84-month loan must be greater than $25,000. |
New Motorcycle
Rates are determined by credit score, loan term, and age of the vehicle. Rates listed are the lowest possible at Century and include a 0.25% discount for automatic payment. Open to members living or working in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
| Terms | APR | Conditions |
|---|---|---|
| up to 30 months | 5.74% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 42 months | 5.99% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 54 months | 6.24% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 66 months | 6.49% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. |
| up to 72 months | 6.99% | Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment. 72-month loan must be greater than $20,000. |
Who can join Century Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County in Missouri are eligible for membership.
Employers and groups
- Employees of 46 select employee groups within Century Credit Union's field of membership are eligible for membership.
Family and household
- Individuals with a family member who lives or works in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County in Missouri are eligible for membership.
Membership information collected October 4, 2026.