Credit union · NCUA insured
Chiphone Federal Credit Union Auto Loan Rates
Chiphone Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 15, 2026.
How Chiphone Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Elkhart, IN, where Chiphone Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Chiphone Federal Credit Union
5.24%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
New/Used Auto
Lowest rate
Everence
4.74%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Chiphone Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- 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 Chiphone 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/Used Auto
Rate is based on credit/score history. Certain restrictions may apply. $100 loan processing fee. Up to 125% LTV and cash out refi maximum 100% LTV. Auto maximum loan amount = $100,00.00. Financing up to 84 months. No early payoff / pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.24% | Rate is based on credit/score history. Certain restrictions may apply. $100 loan processing fee. Up to 125% LTV and cash out refi maximum 100% LTV. Auto maximum loan amount = $100,00.00. No early payoff penalty. |
Sources (1)
- chiphone.org/new-used-auto · captured Oct 7, 2026
Who can join Chiphone Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.