Credit union · NCUA insured
Climb Credit Union Auto Loan Rates
Top CarrotClimb Credit Union auto loans start at 4.49% APR for a new vehicle and 4.64% for a used one. Rates checked October 22, 2026.
How Climb Credit Union’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where Climb Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
96-Month Auto Loan
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
3rd-lowest rate
Affidian Credit Union
4.50%APR
- Terms
- up to 60 months
Climb Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Climb 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.
96-Month Auto Loan
Membership required. Subject to credit approval. 96-month term available for new vehicles only (previous year and newer model years with 30,000 or fewer miles). Not eligible for Skip-A-Pay.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 4.49% | Rates as low as 4.49% APR. Illustrative example: $10,000 loan for 96 months has approximate monthly payment of $125.55. Available for new vehicles only (previous year and newer model years with 30,000 or fewer miles). |
Sources (1)
- climbcu.org/96-month-auto-loan · captured Oct 4, 2026
Auto Loan Refinance
Refinance of an existing vehicle loan from another financial institution; existing Climb Credit Union loans are not eligible. Minimum refinance amount is $5,000. Maximum loan-to-value (LTV) is 150%. Valid for autos only; excludes motorcycles, recreational vehicles, and cash-out refinances. Term cannot be extended beyond 12 months from remaining term of existing loan. Must provide verification of current rate. Subject to floor rate of 4.49% APR.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Rates as low as 4.49% APR (floor rate of 4.49% APR). Up to 3.00% APR off current rate. Minimum refinance amount is $5,000 with maximum 150% LTV. Includes option for $300 cash bonus deposited into Primary Share Savings and up to 90 days / 3 months of deferred payments for qualifying members in good standing. |
New Used Car Truck and SUVs
Subject to credit qualification and floor rate of 4.64% APR. Pre-approval based on individual's credit history. No application fees and no penalty for early payoff.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.64% | Rates as low as 4.64% APR. Subject to floor rate of 4.64% APR. |
Sources (1)
- climbcu.org/vehicle-loan · captured Oct 4, 2026
Who can join Climb Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.