Credit union · NCUA insured
CME Federal Credit Union Auto Loan Rates
CME Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How CME Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Columbus, OH, where CME Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CME Federal Credit Union
5.25%APR
- Terms
- up to 60 months
- Up to
- 17.99% APR
- Discount
- None included
Auto Loans
Lowest rate
Homeland Credit Union
4.19%APR
- Terms
- up to 66 months
- Up to
- 16.99% APR
- Discount
- None included
2nd-lowest rate
Abbott Laboratories Employees Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
CME Federal Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CME 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 Refinance
Promotional refinance offer to beat current rate by up to 2% APR. Minimum floor rate for cars is 4.99% APR. No payments for 60 days; interest accrues during 60-day deferment period. Eligible on new money only. Cannot be combined with UChoose discount. Loan approval required. Subject to membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Minimum floor rate for cars is 4.99% APR. CME will try to lower rate by up to 2% APR. No payments for 60 days (interest will accrue during the 60-day deferment period). Cannot be combined with UChoose discount. Eligible on new money only. |
Sources (1)
- cmefcu.org/auto-refinance-beat-your-rate · captured Oct 6, 2026
Auto Loans
Rates based on individual creditworthiness and term of loan. Up to 110% financing (new) and 100% (used). Terms available are based on model year; newer model vehicles and older model vehicles up to 84 months. A vehicle is considered new if it is 2 model years or newer and has less than 25,000 miles. For most vehicle loans, a fee of up to $299 is applicable. Membership eligibility applies (living, working, worshipping, volunteering, or attending school in Delaware, Fairfield, Franklin, Licking, Madison, Morrow, Pickaway and Union counties, or related to a CME member).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75%–17.99% | Rate based on individual credit quality. |
| up to 60 months | 5.25%–17.99% | Rate based on individual credit quality. |
| up to 72 months | 5.50%–17.99% | Rate based on individual credit quality. |
| up to 84 months | 5.75%–17.99% | Rate based on individual credit quality. |
Motorcycle Loans
Rates based on individual credit quality and subject to change without notice. Financing available up to 110% (based on credit quality). Motorcycle loans up to 84 months. For most vehicle loans, a fee of up to $299 is applicable. Subject to CME membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.10%–17.99% | Rate based on individual credit quality. |
| up to 60 months | 5.60%–17.99% | Rate based on individual credit quality. |
| up to 72 months | 5.85%–17.99% | Rate based on individual credit quality. |
| up to 84 months | 6.10%–17.99% | Rate based on individual credit quality. |
Who can join CME Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Delaware, Fairfield, Franklin, Licking, Madison, Morrow, Pickaway, or Union counties are eligible to join.
Family and household
- Anyone related to an existing CME member is eligible for membership, regardless of geographic location.
Cost to join
- Opening an account requires a minimum $5 deposit into a CME Advantage Share Account, representing a membership share.
Membership information collected October 5, 2026.