Credit union · NCUA insured
Clifty Creek Employees Federal Credit Union Auto Loan Rates
Clifty Creek Employees Federal Credit Union auto loans start at 3.75% APR for a new vehicle and 3.75% for a used one. Rates checked October 15, 2026.
How Clifty Creek Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Madison, IN, where Clifty Creek Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Clifty Creek Employees Federal Credit Union
3.75%APR
- Terms
- up to 60 months
Auto Loan
2nd-lowest rate
Business & Industrial FCU
4.25%APR
- Terms
- up to 60 months
3rd-lowest rate
First Financial Bank
7.51%APR
- Terms
- up to 60 months
Clifty Creek Employees Federal Credit Union auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
By vehicle
- New vehicleNew3.75%
- Used vehicleUsed3.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Clifty Creek Employees 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 Loan
Rates tiered by credit score: Tier A (700+), Tier B (600-699), Tier C (500-599), Tier D (499 and below). Rates vary by vehicle model year and term length.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.75% | 2023 - Newer vehicles; Tier A (Credit score 700+) |
| up to 60 months | 4.50% | 2023 - Newer vehicles; Tier B (Credit score 600-699) |
| up to 60 months | 5.25% | 2023 - Newer vehicles; Tier C (Credit score 500-599) |
| up to 60 months | 6.49% | 2023 - Newer vehicles; Tier D (Credit score 499 below) |
| up to 72 months | 4.25% | 2023 - Newer vehicles; Tier A (Credit score 700+) |
| up to 72 months | 5.00% | 2023 - Newer vehicles; Tier B (Credit score 600-699) |
| up to 72 months | 5.75% | 2023 - Newer vehicles; Tier C (Credit score 500-599) |
| up to 72 months | 6.99% | 2023 - Newer vehicles; Tier D (Credit score 499 below) |
| up to 84 months | 4.75% | 2023 - Newer vehicles; Loan amount > $30k; Tier A (Credit score 700+) |
| up to 84 months | 5.50% | 2023 - Newer vehicles; Loan amount > $30k; Tier B (Credit score 600-699) |
| up to 84 months | 6.25% | 2023 - Newer vehicles; Loan amount > $30k; Tier C (Credit score 500-599) |
| up to 84 months | 7.49% | 2023 - Newer vehicles; Loan amount > $30k; Tier D (Credit score 499 below) |
| up to 60 months | 5.24% | 2021 - 2022 vehicles; Tier A (Credit score 700+) |
| up to 60 months | 5.99% | 2021 - 2022 vehicles; Tier B (Credit score 600-699) |
| up to 60 months | 6.74% | 2021 - 2022 vehicles; Tier C (Credit score 500-599) |
| up to 60 months | 7.49% | 2021 - 2022 vehicles; Tier D (Credit score 499 below) |
| up to 72 months | 5.74% | 2021 - 2022 vehicles; Tier A (Credit score 700+) |
| up to 72 months | 6.49% | 2021 - 2022 vehicles; Tier B (Credit score 600-699) |
| up to 72 months | 7.24% | 2021 - 2022 vehicles; Tier C (Credit score 500-599) |
| up to 72 months | 7.99% | 2021 - 2022 vehicles; Tier D (Credit score 499 below) |
| up to 84 months | 5.99% | 2021 - 2022 vehicles; Loan amount > $30k; Tier A (Credit score 700+) |
| up to 84 months | 6.74% | 2021 - 2022 vehicles; Loan amount > $30k; Tier B (Credit score 600-699) |
| up to 84 months | 8.24% | 2021 - 2022 vehicles; Loan amount > $30k; Tier D (Credit score 499 below) |
| up to 60 months | 8.24% | 2017 - 2020 vehicles; Tier C (Credit score 500-599) |
| up to 60 months | 8.99% | 2017 - 2020 vehicles; Tier D (Credit score 499 below) |
| up to 72 months | 8.74% | 2017 - 2020 vehicles; Tier C (Credit score 500-599) |
| up to 72 months | 9.49% | 2017 - 2020 vehicles; Tier D (Credit score 499 below) |
| up to 84 months | 7.74% | 2017 - 2020 vehicles; Loan amount > $30k; Tier A (Credit score 700+) |
| up to 84 months | 8.49% | 2017 - 2020 vehicles; Loan amount > $30k; Tier B (Credit score 600-699) |
| up to 84 months | 9.24% | 2017 - 2020 vehicles; Loan amount > $30k; Tier C (Credit score 500-599) |
| up to 84 months | 9.99% | 2017 - 2020 vehicles; Loan amount > $30k; Tier D (Credit score 499 below) |
| up to 60 months | 7.99% | 2013 - 2016 vehicles; Tier A (Credit score 700+) |
| up to 60 months | 8.74% | 2013 - 2016 vehicles; Tier B (Credit score 600-699) |
| up to 60 months | 9.49% | 2013 - 2016 vehicles; Tier C (Credit score 500-599) |
| up to 60 months | 10.24% | 2013 - 2016 vehicles; Tier D (Credit score 499 below) |
| up to 36 months | 8.99% | 2012 - Older vehicles (based on value); Loan value < $10,000.00; Tier A (Credit score 700+) |
| up to 36 months | 9.74% | 2012 - Older vehicles (based on value); Loan value < $10,000.00; Tier B (Credit score 600-699) |
| up to 36 months | 10.49% | 2012 - Older vehicles (based on value); Loan value < $10,000.00; Tier C (Credit score 500-599) |
| up to 36 months | 11.24% | 2012 - Older vehicles (based on value); Loan value < $10,000.00; Tier D (Credit score 499 below) |
| up to 48 months | 8.99% | 2012 - Older vehicles (based on value); Loan value $10k - 15k; Tier A (Credit score 700+) |
| up to 48 months | 9.74% | 2012 - Older vehicles (based on value); Loan value $10k - 15k; Tier B (Credit score 600-699) |
| up to 48 months | 10.49% | 2012 - Older vehicles (based on value); Loan value $10k - 15k; Tier C (Credit score 500-599) |
| up to 48 months | 11.24% | 2012 - Older vehicles (based on value); Loan value $10k - 15k; Tier D (Credit score 499 below) |
| up to 60 months | 8.99% | 2012 - Older vehicles (based on value); Loan value $15k - $27.5k; Tier A (Credit score 700+) |
| up to 60 months | 9.74% | 2012 - Older vehicles (based on value); Loan value $15k - $27.5k; Tier B (Credit score 600-699) |
| up to 60 months | 10.49% | 2012 - Older vehicles (based on value); Loan value $15k - $27.5k; Tier C (Credit score 500-599) |
| up to 60 months | 11.24% | 2012 - Older vehicles (based on value); Loan value $15k - $27.5k; Tier D (Credit score 499 below) |
| up to 72 months | 8.99% | 2012 - Older vehicles (based on value); Loan value $27.5k - $30k; Tier A (Credit score 700+) |
| up to 72 months | 9.74% | 2012 - Older vehicles (based on value); Loan value $27.5k - $30k; Tier B (Credit score 600-699) |
| up to 72 months | 10.49% | 2012 - Older vehicles (based on value); Loan value $27.5k - $30k; Tier C (Credit score 500-599) |
| up to 72 months | 11.24% | 2012 - Older vehicles (based on value); Loan value $27.5k - $30k; Tier D (Credit score 499 below) |
| up to 84 months | 8.99% | 2012 - Older vehicles (based on value); Loan value Over $30k; Tier A (Credit score 700+) |
| up to 84 months | 9.74% | 2012 - Older vehicles (based on value); Loan value Over $30k; Tier B (Credit score 600-699) |
| up to 84 months | 10.49% | 2012 - Older vehicles (based on value); Loan value Over $30k; Tier C (Credit score 500-599) |
| up to 84 months | 11.24% | 2012 - Older vehicles (based on value); Loan value Over $30k; Tier D (Credit score 499 below) |
Sources (3)
All captured Oct 7, 2026
Who can join Clifty Creek Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Clifty Creek Power Plant and contracted employees who have worked for a consecutive six months at the Clifty Creek Plant are eligible for membership.
- OVEC (Ohio Valley Electric Company) employees whose work assignment is or was at the Clifty Creek Plant are eligible for membership.
Family and household
- Family members (spouses, children, step-children, grandchildren, step-grandchildren, parents, siblings, and step-siblings) of eligible employees are eligible for membership.
Cost to join
- There is a one-time membership fee of $0.25.
Membership information collected October 5, 2026.