Credit union · NCUA insured
City Credit Union Auto Loan Rates
City Credit Union auto loans start at 4.84% APR for a new vehicle and 4.84% for a used one. Rates checked October 16, 2026.
How City Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where City Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
City Credit Union
4.84%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
New & Used Autos
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
City Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew4.84%
- Used vehicleUsed4.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where City 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.
Antiques
Model years 2001 & older. Rates based on creditworthiness and term. Possible discounts: 0.40% for payroll deduction or auto transfer; 0.10% for each 10% equity in collateral up to 50% LTV. Add 3% if bankruptcy discharged in past 4 years.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.22% | Model years 2001 & older. Lowest available rate does not reflect all available discounts. Actual rate dependent upon member eligibility, creditworthiness and other factors. |
Sources (1)
- city-cu.com/loan-rates · captured Oct 5, 2026
Motorcycles & ATVs
Model years 2019-2026. Rates based on creditworthiness and term. Possible discounts: 0.40% for payroll deduction or auto transfer; 0.10% for each 10% equity in collateral up to 50% LTV. Add 3% if bankruptcy discharged in past 4 years.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.84% | Model years 2019-2026. Lowest available rate does not reflect all available discounts. Actual rate dependent upon member eligibility, creditworthiness and other factors. |
New & Used Autos
Model years 2019-2026. Rates based on member creditworthiness and term. Borrow up to 100% of vehicle value. Possible discounts: 0.40% for payroll deduction or auto transfer from City Credit Union savings/checking; 0.10% for each 10% equity in collateral up to 50% LTV. Add 3% if any signed party had bankruptcy discharged in past 4 years.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.84% | Model years 2019-2026. Lowest available rate does not reflect all available discounts. Actual rate dependent on member eligibility and creditworthiness. |
Older Vehicles (2004-2018) 85% LTV
Model years 2004-2018. 85% LTV. Retail value greater than $3,000. Rates based on creditworthiness and term. Possible discounts: 0.40% for payroll deduction or auto transfer; 0.10% for each 10% equity in collateral up to 50% LTV. Add 3% if bankruptcy discharged in past 4 years.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.28% | Model years 2004-2018. Retail value greater than $3,000. 85% LTV. Lowest available rate does not reflect all available discounts. Actual rate dependent upon member eligibility, creditworthiness and other factors. |
Sources (1)
- city-cu.com/loan-rates · captured Oct 5, 2026
Who can join City 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 people who live or work in Jackson County.
Employers and groups
- Membership is open to employees of any Missouri-chartered credit union.
- Membership is open to employees of Barbour Concrete.
- Membership is open to employees of Comcast.
- Membership is open to employees of Eskew’s Fine Jewelers.
- Membership is open to employees of Fike Corporation.
15 more ways to join
Employers and groups
- Membership is open to employees of GE Transportation Systems.
- Membership is open to employees of Government Employees Hospital Association.
- Membership is open to employees of Missouri Corporate Credit Union.
- Membership is open to employees of Watco Manufacturing.
Military, government and schools
- Membership is open to employees of Sunshine Center School.
- Membership is open to employees of Central Jackson County Fire Protection District.
- Membership is open to employees of City of Blue Springs.
- Membership is open to employees of City of Grain Valley.
- Membership is open to employees of City of Independence.
- Membership is open to employees of City of Independence Housing Authority.
- Membership is open to employees of City of Oak Grove.
- Membership is open to employees of City of Sugar Creek.
- Membership is open to employees of Little Blue Valley Sewer District.
- Membership is open to employees of Mid-Continent Public Library.
Family and household
- Membership is open to immediate family members of any current City Credit Union account holder.
Cost to join
- A minimum deposit of $5.00 into a Share Savings account is required to establish membership.
Membership information collected October 4, 2026.