Credit union · NCUA insured
Class Act Federal Credit Union Auto Loan Rates
Top CarrotClass Act Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How Class Act Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Class Act Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Class Act Federal Credit Union
4.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Brown Forman Employees Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Louisville/Jefferson County Metropolitan Sewer District (MSD)
4.25%APR
- Terms
- up to 72 months
- Discount
- None included
Louisville/Jefferson County Metropolitan Sewer District (MSD) rates
Class Act Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Class Act 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
On approved credit. Terms and conditions apply. Creditworthiness, age and mileage of vehicle, value of collateral, and loan amount can affect offered rate and term. Rates shown reflect .25% discount for automatic payment discount and apply to 2022 or newer model year vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.24% | Model year 2022 or newer. Rates shown reflect .25% discount for automatic payment discount. |
| 49–60 months | 4.74% | Model year 2022 or newer. Rates shown reflect .25% discount for automatic payment discount. |
| 61–72 months | 4.99% | Model year 2022 or newer. Rates shown reflect .25% discount for automatic payment discount. |
| 73–84 months | 5.24% | Model year 2022 or newer. Rates shown reflect .25% discount for automatic payment discount. |
| up to 48 months | 4.49% | Model year 2017 - 2021. |
| 49–60 months | 4.99% | Model year 2017 - 2021. |
| up to 48 months | 4.74% | Model year 2016 or older. |
| 49–60 months | 5.24% | Model year 2016 or older. |
Sources (4)
All captured Oct 22, 2026
Motorcycle Loans
On approved credit. Terms and conditions apply. Creditworthiness, age and mileage of vehicle, value of collateral, and loan amount can affect offered rate. Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models. Term of 84 months available on 2022 or newer vehicles with approved credit. Max Term of 63 months available on 2017 - 2021 vehicles with approved credit. Max Term Limited to 48 months on 2016 or older vehicles with approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.24% | Model year 2022 or newer. Term of up to 48 months. Rates shown reflect .25% discount for automatic payment discount. |
| 49–60 months | 4.74% | Model year 2022 or newer. Rates shown reflect .25% discount for automatic payment discount. |
| 61–72 months | 4.99% | Model year 2022 or newer. Rates shown reflect .25% discount for automatic payment discount. |
| 72–84 months | 5.24% | Model year 2022 or newer. Term of 84 months available on 2022 or newer vehicles with approved credit. Rates shown reflect .25% discount for automatic payment discount. |
| up to 48 months | 4.49% | Model year 2017 - 2021. Term of up to 48 months. |
| 49–60 months | 4.99% | Model year 2017 - 2021. Max Term of 63 months available with approved credit. |
| up to 48 months | 4.74% | Model year 2016 or older. Max Term Limited to 48 months on 2016 or older vehicles with approved credit. |
Sources (1)
- classact.org/rates · captured Oct 22, 2026
Who can join Class Act Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Open to students of specified educational communities (including JCPS students/immediate family, U of L students/alumni, Embry-Riddle, Family Scholar House, Galen College of Nursing, Sullivan University).
- Open to those who work for, retired from, or volunteer at listed educational groups in the area.
Family and household
- Open to immediate family members (spouses, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, adoptive relationships) or household members of an existing Class Act member.
Other ways
- Open to residents of Kentucky or Indiana by joining the Kentucky PTA (Class Act pays the join fee).
Cost to join
- Class Act covers the Kentucky PTA join fee for applicants joining via that route.
Membership information collected October 4, 2026.