Credit union · NCUA insured
Citizens Community Credit Union Auto Loan Rates
Citizens Community Credit Union auto loans start at 4.95% APR for a new vehicle and 4.95% for a used one. Rates checked October 16, 2026.
How Citizens Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fort Dodge, IA, where Citizens Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Citizens Community Credit Union
4.95%APR
- Terms
- up to 60 months
New & Used Vehicle Loans
Lowest rate
Fort Dodge Family Credit Union
4.75%APR
- Terms
- up to 60 months
3rd-lowest rate
GreenState Credit Union
5.49%APR
- Terms
- 49–69 months
Citizens Community Credit Union auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.95%
- Used vehicleUsed4.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Citizens Community 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 Vehicle Loans
Includes cars, trucks, motorcycles, snowmobiles, ATVs, motor homes, campers and watercrafts. Add 1% to rates for titled collateral such as motorcycles, snowmobiles, ATVs, motor homes, campers and watercraft. All loans subject to credit approval; membership eligibility required. Stated rate is an as low as rate and may vary based on credit or value.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.95% | As low as rate for cars/trucks; add 1% for titled collateral (motorcycles, snowmobiles, ATVs, motor homes, campers, watercraft). Subject to credit approval and membership eligibility. |
| up to 36 months | 4.95% | As low as rate for cars/trucks; add 1% for titled collateral (motorcycles, snowmobiles, ATVs, motor homes, campers, watercraft). Subject to credit approval and membership eligibility. |
| up to 48 months | 4.95% | As low as rate for cars/trucks; add 1% for titled collateral (motorcycles, snowmobiles, ATVs, motor homes, campers, watercraft). Subject to credit approval and membership eligibility. |
| up to 60 months | 4.95% | As low as rate for cars/trucks; add 1% for titled collateral (motorcycles, snowmobiles, ATVs, motor homes, campers, watercraft). Subject to credit approval and membership eligibility. |
Who can join Citizens Community 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 or work in one of 33 specified Iowa counties are eligible for membership.
Employers and groups
- Members of 499 Iowa Cooperatives and members of the Iowa Independent Automotive Dealers Association are eligible for membership.
Family and household
- Individuals who have a close relative who lives or works in one of the 33 specified Iowa counties are eligible for membership.
Cost to join
- Membership requires a $25 membership share deposit in a savings account.
Membership information collected October 4, 2026.