Credit union · NCUA insured
Chivaho Federal Credit Union Auto Loan Rates
Top CarrotChivaho Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 16, 2026.
How Chivaho Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chillicothe, OH, where Chivaho Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Chivaho Federal Credit Union
4.25%APR
- Terms
- up to 75 months
- Up to
- —
Member Advantage Auto Loan
Lowest rate
Homeland Credit Union
4.19%APR
- Terms
- up to 66 months
- Up to
- 16.99% APR
3rd-lowest rate
Universal 1 Credit Union
4.54%APR
- Terms
- up to 63 months
- Up to
- 14.06% APR
Chivaho Federal Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Chivaho 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 & Motorcycle Loan
Rates subject to change without notice. Approval rate based on credit score. Same rates when purchasing a new or used auto.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.25% | 2 years & newer. |
| up to 84 months | 5.99% | 2 years & newer, $35,000 or above. |
| up to 72 months | 6.75% | 3 - 5 years old vehicle. |
| up to 66 months | 7.25% | 6 years old vehicle. |
| up to 66 months | 8.75% | 7 years or older vehicle. |
Sources (3)
All captured Oct 6, 2026
Auto Loan Consolidation
New & Used auto titles. 100% Loan to Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.25% | Rates starting as low as 6.25% APR for terms up to 72 months. |
Sources (1)
- chivaho.com/loans/consumer.html · captured Oct 6, 2026
CU Cruzin'
Designed for borrowers with no credit or impaired credit in need of primary transportation. Direct deposit required; $25 savings deposit monthly via direct deposit required; 12-month employment history required. Eligible for refinance for lower rate after 12 months of consecutive payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 18.00% | Fixed rate of 18% APR. Borrow up to $25,000. |
Member Advantage Auto Loan
Available when serviced from beginning to end by credit union. Must apply directly with credit union (not available at dealerships). Well qualified borrowers (credit score above 680) can enjoy no payments for 90 days. Refinanced loans from other financial institutions only.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.00% | For 72 months. |
| up to 75 months | 4.25% | Two years or newer. Flexible terms up to 84 months also available. |
Rate Match Auto Loan
Matches other financial institution loan rates and terms on auto loans (verified). Floors are in place for matching rates and APR is based on creditworthiness. Matching also applies to refinanced vehicles from other financial institutions.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Auto Loan Rates as low as 5.49% APR. |
Sources (1)
- chivaho.com/loans/rate-match.html · captured Oct 6, 2026
Who can join Chivaho Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.