Credit union · NCUA insured
Cheney Federal Credit Union Auto Loan Rates
Top CarrotCheney Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Cheney Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Spokane, WA, where Cheney Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cheney Federal Credit Union
5.49%APR
- Terms
- up to 72 months
- Up to
- 14.49% APR
New Auto/Truck Loan
Lowest rate
Responders Emergency Services Credit Union
3.99%APR
- Terms
- up to 72 months
- Up to
- —
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
Cheney Federal Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cheney 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.
New Auto/Truck Loan
The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.49%–14.49% | Fixed rate, terms up to 72 months with no more than 12,000 miles. The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower. |
| up to 84 months | 5.99%–14.99% | Fixed rate, terms up to 84 months with no more than 12,000 miles. The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower. |
New Fully Electric
The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 5.99%–14.99% | Fixed rate, terms up to 96 months. The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower. |
Sources (1)
- cheneyfcu.com/rates · captured Oct 4, 2026
Older Model Auto/Truck Loan
The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 9.24%–18.00% | Fixed rate, terms up to 48 months on loan balances under $10,000. The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower. |
Sources (1)
- cheneyfcu.com/rates · captured Oct 4, 2026
Used Auto/Truck Loan
The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.74%–14.74% | Fixed rate, terms up to 72 months on vehicles up to 10 years old. The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower. |
| up to 84 months | 5.99%–14.99% | 84 months available under certain conditions. The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower. |
Who can join Cheney 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
- Individuals who live, work, worship, or attend school in the Cheney or Medical Lake School Districts are eligible for membership.
Family and household
- Immediate family members of individuals who live, work, worship, or attend school in the Cheney or Medical Lake School Districts are eligible for membership.
Membership information collected October 4, 2026.