Credit union · NCUA insured
CFCCU Auto Loan Rates
Top CarrotCFCCU auto loans start at 5.05% APR for a new vehicle and 5.15% for a used one. Rates checked October 16, 2026.
How CFCCU’s auto loan rates compare
Compared with banks and credit unions near Waterloo, IA, where CFCCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CFCCU
5.05%APR
- Terms
- up to 60 months
New Vehicle Loans 2024 & newer
Lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
2nd-lowest rate
Community Choice Credit Union
4.52%APR
- Terms
- 37–66 months
CFCCU auto loan score
81
Auto loan score
Higher than 55% of U.S. banks and credit unions
- New vehicleNew5.05%
- Used vehicleUsed5.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CFCCU 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 Loans 2024 & newer
Up to NADA retail. All loans subject to approval. Rates, terms, and conditions are subject to change. APR is a variable rate and is subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.95% | APR as low as stated rate. |
| up to 60 months | 5.05% | APR as low as stated rate. |
| up to 66 months | 5.15% | APR as low as stated rate. |
| up to 72 months | 5.15% | APR as low as stated rate. |
| up to 84 months | 5.25% | APR as low as stated rate. EXAMPLE: A $50,000 loan for a term of 84 months with a 5.25% APR, the monthly payment will be $713. |
Used Vehicles 2016 and Older Model Year
Up to NADA retail. All loans subject to approval. Rates, terms, and conditions are subject to change. APR is a variable rate and is subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.70% | APR as low as stated rate. |
| up to 48 months | 7.75% | APR as low as stated rate. |
Used Vehicles 2017 Model Year
Up to NADA retail. All loans subject to approval. Rates, terms, and conditions are subject to change. APR is a variable rate and is subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.65% | APR as low as stated rate. |
| up to 48 months | 5.75% | APR as low as stated rate. |
Used Vehicles 2018 Model Year
Up to NADA retail. All loans subject to approval. Rates, terms, and conditions are subject to change. APR is a variable rate and is subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.55% | APR as low as stated rate. |
| up to 48 months | 5.65% | APR as low as stated rate. |
Used Vehicles 2019 Model Year
Up to NADA retail. All loans subject to approval. Rates, terms, and conditions are subject to change. APR is a variable rate and is subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.45% | APR as low as stated rate. |
| up to 60 months | 5.55% | APR as low as stated rate. |
Used Vehicles 2020 Model Year
Up to NADA retail. All loans subject to approval. Rates, terms, and conditions are subject to change. APR is a variable rate and is subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.35% | APR as low as stated rate. |
| up to 60 months | 5.45% | APR as low as stated rate. |
Used Vehicles 2021 Model Year
Up to NADA retail. All loans subject to approval. Rates, terms, and conditions are subject to change. APR is a variable rate and is subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.25% | APR as low as stated rate. |
| up to 60 months | 5.35% | APR as low as stated rate. |
Used Vehicles 2022 Model Year
Up to NADA retail. All loans subject to approval. Rates, terms, and conditions are subject to change. APR is a variable rate and is subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.15% | APR as low as stated rate. |
| up to 60 months | 5.25% | APR as low as stated rate. |
| up to 66 months | 5.35% | APR as low as stated rate. |
| up to 72 months | 5.35% | APR as low as stated rate. |
Used Vehicles 2023 Model Year
Up to NADA retail. All loans subject to approval. Rates, terms, and conditions are subject to change. APR is a variable rate and is subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.05% | APR as low as stated rate. |
| up to 60 months | 5.15% | APR as low as stated rate. |
| up to 66 months | 5.25% | APR as low as stated rate. |
| up to 72 months | 5.25% | APR as low as stated rate. |
Who can join CFCCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to individuals who live or work in 20 Iowa counties (Allamakee, Benton, Black Hawk, Bremer, Buchanan, Butler, Chickasaw, Clayton, Delaware, Grundy, Fayette, Floyd, Franklin, Hardin, Howard, Linn, Marshall, Mitchell, Tama, and Winneshiek).
Family and household
- Open to individuals who have an immediate family member who is a member of the Credit Union.
Cost to join
- A deposit of $5 into a savings account is required upon opening membership.
Membership information collected October 4, 2026.