Credit union · NCUA insured
Churchill County Federal Credit Union Auto Loan Rates
Churchill County Federal Credit Union auto loans start at 3.75% APR for a new vehicle and 3.75% for a used one. Rates checked October 22, 2026.
How Churchill County Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fallon, NV, where Churchill County Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Churchill County Federal Credit Union
3.75%APR
- Terms
- 24–84 months
- Up to
- 15.25% APR
Auto Loans (New & Used)
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
3rd-lowest rate
Financial Horizons Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- 13.75% APR
Churchill County Federal Credit Union auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed3.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Churchill County 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 Loans (New & Used)
Rates stated as Annual Percentage Rate (APR). Rates, terms and conditions subject to credit approval and collateral pledged. Loan amount minimum $5,000, maximum $85,000 (Board approved). Rate matrix effective March 21, 2025 based on Experian v9.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.75%–14.75% | Credit tiers A+ (750+) through E (<600). Max debt ratio 40% - 50%. |
| up to 36 months | 3.75%–14.75% | Credit tiers A+ (750+) through E (<600). Max debt ratio 40% - 50%. |
| up to 48 months | 4.00%–15.00% | Credit tiers A+ (750+) through E (<600). Max debt ratio 40% - 50%. |
| up to 60 months | 4.25%–15.25% | Credit tiers A+ (750+) through E (<600). Max debt ratio 40% - 50%. Minimum loan $15,000 for 60 months repayment term. |
| up to 72 months | 4.50%–14.25% | Credit tiers A+ (750+) through D (600-639). Tier E is N/A. Max debt ratio 40% - 50%. Minimum loan $20,000 for 72 months repayment term. |
| up to 84 months | 4.75%–5.25% | Credit tiers A+ (750+) through B (660-699). Tiers C, D, E are N/A. Max debt ratio 45% - 50%. Minimum loan $25,000 for 84 months repayment term. |
| 24–84 months | 3.75%–15.25% | Overall APR range for new and used auto loans. |
| 24–84 months | 3.75% | As low as rate for vehicle loans. |
Sources (3)
All captured Oct 3, 2026
Who can join Churchill County Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of CC Communications are eligible for membership.
- Employees of Banner Churchill Hospital are eligible for membership.
- Employees of Churchill County Museum & Archives are eligible for membership.
- Employees of T.C.I.D. are eligible for membership.
Military, government and schools
- Employees of Churchill County School District are eligible for membership.
- Employees of Churchill County are eligible for membership.
8 more ways to join
Military, government and schools
- Employees of City of Fallon are eligible for membership.
- Churchill County Elementary School Students are eligible for membership.
- Federal employees working in Churchill County (except NAS Fallon employees) are eligible for membership.
- Employees of Fallon/Churchill Fire Department are eligible for membership.
- Churchill County High School Students are eligible for membership.
- Churchill County Jr. High School Students are eligible for membership.
- Retirees of any entities listed in the field of membership are eligible to join.
Family and household
- Immediate family members (grandparents, parents, siblings, children, spouses) and anyone residing in the same household of an eligible member can join.
Cost to join
- A joint member will be required to open their own account for $10 if the primary member is not listed first.
Membership information collected October 4, 2026.