Credit union · NCUA insured
Cinfed Credit Union Auto Loan Rates
Top CarrotCinfed Credit Union auto loans start at 5.74% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Cinfed Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Cinfed Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cinfed Credit Union
5.74%APR
- Terms
- 55–66 months
- Up to
- —
Conventional Auto Loans — New
Lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
2nd-lowest rate
Cincinnati Interagency Federal Credit Union
4.24%APR
- Terms
- —
- Up to
- —
Cinfed Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cinfed 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.
Conventional Auto Loans — New
As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.490% or 5.740%. Additional discounts available. 2025 – Newer vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 5.49% | 2025 – Newer. With Autopay Discount. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.490%. Additional Discounts Available. |
| 55–66 months | 5.74% | 2025 – Newer. With Autopay Discount. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.490%. Additional Discounts Available. |
| 67–78 months | 5.99% | 2025 – Newer. With Autopay Discount. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.490%. 67 – 75 mos available for loans >$20K. Additional Discounts Available. |
| 79–84 months | 6.24% | 2025 – Newer. With Autopay Discount. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.490%. 76 – 84 mos available for loans >$25K. Additional Discounts Available. |
| up to 54 months | 5.74% | 2025 – Newer. With Autopay Discount. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.740%. Additional Discounts Available. |
| 55–66 months | 5.99% | 2025 – Newer. With Autopay Discount. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.740%. Additional Discounts Available. |
| 67–78 months | 6.24% | 2025 – Newer. With Autopay Discount. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.740%. 67 – 75 mos available for loans >$20K. Additional Discounts Available. |
| 79–84 months | 6.49% | 2025 – Newer. With Autopay Discount. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.740%. 76 – 84 mos available for loans >$25K. Additional Discounts Available. |
Sources (1)
- cinfed.com/checking/personal-c…king/basic-checking.html · captured Sep 17, 2026
Conventional Auto Loans — Used
As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.490% or 5.740%. Additional Discounts Available. Rates vary by model year tiers.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 5.99% | 2024 – Newer. With Autopay Discount. Floor rate of 5.740%. |
| 55–66 months | 6.24% | 2024 – Newer. With Autopay Discount. Floor rate of 5.740%. |
| 67–78 months | 6.49% | 2024 – Newer. With Autopay Discount. Floor rate of 5.740%. 67 – 75 mos available for loans >$20K. |
| 79–84 months | 6.74% | 2024 – Newer. With Autopay Discount. Floor rate of 5.740%. 76 – 84 mos available for loans >$25K. |
| up to 54 months | 6.74% | 2023 – 2020. With Autopay Discount. Floor rate of 5.740%. |
| 55–66 months | 6.99% | 2023 – 2020. With Autopay Discount. Floor rate of 5.740%. |
| 67–78 months | 7.24% | 2023 – 2020. With Autopay Discount. Floor rate of 5.740%. 67 – 75 mos available for loans >$20K. |
| 79–84 months | 7.74% | 2023 – 2020. With Autopay Discount. Floor rate of 5.740%. 76 – 84 mos available for loans >$25K. |
| up to 63 months | 7.74% | 2019 & Older. Up to 63 months (With Autopay Discount). Floor rate of 5.740%. |
| up to 54 months | 5.74% | 2024 – Newer. With Autopay Discount. Floor rate of 5.490%. |
| 55–66 months | 5.99% | 2024 – Newer. With Autopay Discount. Floor rate of 5.490%. |
| 67–78 months | 6.24% | 2024 – Newer. With Autopay Discount. Floor rate of 5.490%. 67 – 75 mos available for loans >$20K. |
| 79–84 months | 6.49% | 2024 – Newer. With Autopay Discount. Floor rate of 5.490%. 76 – 84 mos available for loans >$25K. |
| up to 54 months | 6.49% | 2023 – 2020. With Autopay Discount. Floor rate of 5.490%. |
| 55–66 months | 6.74% | 2023 – 2020. With Autopay Discount. Floor rate of 5.490%. |
| 67–78 months | 6.99% | 2023 – 2020. With Autopay Discount. Floor rate of 5.490%. 67 – 75 mos available for loans >$20K. |
| 79–84 months | 7.49% | 2023 – 2020. With Autopay Discount. Floor rate of 5.490%. 76 – 84 mos available for loans >$25K. |
| up to 63 months | 7.49% | 2019 & Older. Up to 63 months (With Autopay Discount). Floor rate of 5.490%. |
Sources (1)
- cinfed.com/checking/personal-c…king/basic-checking.html · captured Sep 17, 2026
Flex Auto Loans — New
As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 6.490% or 6.740%. Additional Discounts Available. 2025 – Newer vehicles. $0 due at signing. Guaranteed buyer at end of term; option to keep/refinance, buy outright, or walk away.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 6.74% | 2025 – Newer. With Autopay Discount. Floor rate of 6.740%. |
| 55–66 months | 6.99% | 2025 – Newer. With Autopay Discount. Floor rate of 6.740%. |
| 67–72 months | 7.24% | 2025 – Newer. With Autopay Discount. Floor rate of 6.740%. 67 – 72 mos available for loans >$20K. |
| up to 54 months | 6.49% | 2025 – Newer. With Autopay Discount. Floor rate of 6.490%. |
| 55–66 months | 6.74% | 2025 – Newer. With Autopay Discount. Floor rate of 6.490%. |
| 67–72 months | 6.99% | 2025 – Newer. With Autopay Discount. Floor rate of 6.490%. 67 – 72 mos available for loans >$20K. |
Sources (2)
All captured Sep 17, 2026
Flex Auto Loans — Used
As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 6.490% or 6.740%. Additional Discounts Available. 2024 – Newer and 2023 – 2021 model years. $0 due at signing.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 6.99% | 2024 – Newer. With Autopay Discount. Floor rate of 6.740%. |
| 55–66 months | 7.24% | 2024 – Newer. With Autopay Discount. Floor rate of 6.740%. |
| 67–72 months | 7.49% | 2024 – Newer. With Autopay Discount. Floor rate of 6.740%. 67 – 72 mos available for loans >$20K. |
| up to 54 months | 7.74% | 2023 – 2021. With Autopay Discount. Floor rate of 6.740%. |
| 55–66 months | 7.99% | 2023 – 2021. With Autopay Discount. Floor rate of 6.740%. |
| 67–72 months | 8.24% | 2023 – 2021. With Autopay Discount. Floor rate of 6.740%. 67 – 72 mos available for loans >$20K. |
| up to 54 months | 6.74% | 2024 – Newer. With Autopay Discount. Floor rate of 6.490%. |
| 55–66 months | 6.99% | 2024 – Newer. With Autopay Discount. Floor rate of 6.490%. |
| 67–72 months | 7.24% | 2024 – Newer. With Autopay Discount. Floor rate of 6.490%. 67 – 72 mos available for loans >$20K. |
| up to 54 months | 7.49% | 2023 – 2021. With Autopay Discount. Floor rate of 6.490%. |
| 55–66 months | 7.74% | 2023 – 2021. With Autopay Discount. Floor rate of 6.490%. |
| 67–72 months | 7.99% | 2023 – 2021. With Autopay Discount. Floor rate of 6.490%. 67 – 72 mos available for loans >$20K. |
Sources (2)
All captured Sep 17, 2026
Who can join Cinfed Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, go to school, or regularly do business in specified Tri-State counties across Kentucky, Ohio, and Indiana.
Membership information collected October 5, 2026.