Credit union · NCUA insured
Civic Central Credit Union Auto Loan Rates
Civic Central Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Civic Central Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jefferson City, MO, where Civic Central Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Civic Central Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Auto Loans
Lowest rate
United Credit Union
4.49%APR
- Terms
- —
- Up to
- 17.04% APR
- Discount
- Included in the rate
2nd-lowest rate
Conservation Employees Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Civic Central Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Civic Central 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
Financing available on new, used, or refinanced cars and trucks up to 100% financing for up to 72 months. Values determined by sticker price or NADA guide. Rates subject to membership eligibility and creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.25% | Model years 2023 - 2026. Lowest available rate based on membership eligibility and creditworthiness. |
| up to 60 months | 4.99% | Model years 2023 - 2026. Lowest available rate based on membership eligibility and creditworthiness. |
| up to 66 months | 5.25% | Model years 2023 - 2026. Lowest available rate based on membership eligibility and creditworthiness. |
| up to 72 months | 5.75% | Model years 2023 - 2026. Lowest available rate based on membership eligibility and creditworthiness. |
| up to 48 months | 5.75% | Model years 2017 - 2022. Lowest available rate based on membership eligibility and creditworthiness. |
| up to 60 months | 5.99% | Model years 2017 - 2022. Lowest available rate based on membership eligibility and creditworthiness. |
| up to 72 months | 6.50% | Model years 2017 - 2022. Minimum loan amount $25,000. Lowest available rate based on membership eligibility and creditworthiness. |
| up to 36 months | 6.00% | Model years 2016 and older. Lowest available rate based on membership eligibility and creditworthiness. |
| up to 48 months | 6.25% | Model years 2016 and older. Lowest available rate based on membership eligibility and creditworthiness. |
| up to 60 months | 3.99% | Promotional rate offered through April 30, 2026 for model years 2023 and newer. Max term 60 months. Up to 100% financing for purchases or refinances from another lender. No application fees, no closing costs. |
| up to 60 months | 4.99% | Promotional rate offered through April 30, 2026 for model years 2017 - 2022. Max term 60 months. Up to 100% financing for purchases or refinances from another lender. No application fees, no closing costs. |
Sources (4)
- goodcu.org/low-auto-loan-rates
- goodcu.org/low-auto-loan-rates…ng-a-smile-to-every-mile
- goodcu.org/auto-loans
- goodcu.org/autoloan-rates
All captured Oct 7, 2026
Who can join Civic Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Federal, state, and local government employees and retirees in Cole, Boone, Callaway, Miller, Moniteau, and Osage counties are eligible for membership.
Family and household
- Family members (spouse, child, sibling, parent, grandparent, grandchild, aunt, uncle, niece, nephew, first cousin, or legal guardian, including step, in-law, and legally adoptive relationships) of qualifying public servants are eligible for membership.
Membership information collected October 4, 2026.