Credit union · NCUA insured
Co-op Credit Union Auto Loan Rates
Top CarrotCo-op Credit Union auto loans start at 6.19% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Co-op Credit Union’s auto loan rates compare
Compared with banks and credit unions near La Crosse, WI-MN, where Co-op Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Co-op Credit Union
6.19%APR
- Terms
- up to 84 months
Auto & Recreational Vehicle Loans 2026 - 2025 with less than 15,000 miles
Lowest rate
Governmental Employees Credit Union
3.99%APR
- Terms
- —
2nd-lowest rate
1st Community Credit Union
4.44%APR
- Terms
- up to 60 months
Co-op Credit Union auto loan score
81
Auto loan score
Higher than 55% of U.S. banks and credit unions
- New vehicleNew6.19%
- 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 Co-op 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 & Recreational Vehicle Loans 2026 - 2025 with less than 15,000 miles
Rates are based on individual creditworthiness, loan-to-value, type and age of collateral and term of loan. Subject to change and/or cancellation at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.44% | Monthly payment per $1,000 borrowed is $43.62. |
| up to 36 months | 4.44% | Monthly payment per $1,000 borrowed is $29.72. |
| up to 48 months | 4.54% | Monthly payment per $1,000 borrowed is $22.82. |
| up to 60 months | 4.74% | Monthly payment per $1,000 borrowed is $18.75. |
| up to 72 months | 5.14% | Monthly payment per $1,000 borrowed is $16.17. |
| up to 84 months | 6.19% | Purchase of new auto/truck/motorcycle only. Monthly payment per $1,000 borrowed is $14.70. |
Sources (1)
- coopcu.com/loans/loan-rates/loan-rates · captured Oct 5, 2026
Used 2019 & Older
Rates are based on individual creditworthiness, loan-to-value, type and age of collateral and term of loan. Subject to change and/or cancellation at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.89% | Monthly payment per $1,000 borrowed is $43.82. |
| up to 36 months | 4.89% | Monthly payment per $1,000 borrowed is $29.92. |
| up to 48 months | 5.09% | Monthly payment per $1,000 borrowed is $23.07. |
| up to 60 months | 5.29% | Monthly payment per $1,000 borrowed is $19.00. |
| up to 72 months | 6.19% | Monthly payment per $1,000 borrowed is $16.66. |
Sources (1)
- coopcu.com/loans/loan-rates/loan-rates · captured Oct 5, 2026
Used 2025 with more than 15,000 miles - 2020
Rates are based on individual creditworthiness, loan-to-value, type and age of collateral and term of loan. Subject to change and/or cancellation at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.64% | Monthly payment per $1,000 borrowed is $43.71. |
| up to 36 months | 4.64% | Monthly payment per $1,000 borrowed is $29.81. |
| up to 48 months | 4.84% | Monthly payment per $1,000 borrowed is $22.96. |
| up to 60 months | 4.99% | Monthly payment per $1,000 borrowed is $18.87. |
| up to 72 months | 5.44% | Monthly payment per $1,000 borrowed is $16.31. |
Sources (1)
- coopcu.com/loans/loan-rates/loan-rates · captured Oct 5, 2026
Who can join Co-op Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons residing, employed, or owning property in Buffalo, Chippewa, Clark, Dunn, Eau Claire, Jackson, La Crosse, Monroe, Pepin, or Trempealeau counties in Wisconsin.
Employers and groups
- Membership is open to employees and retirees of the Burlington Northern Santa Fe Railroad, Chicago and Twin Cities Divisions, that work into or out of La Crosse, WI.
- Membership is open to any member of any cooperatives organized or existing in Jackson County, Wisconsin, including Allied Co-operative, AMPI Co-op, Clark Electric Co-op, Eau Claire Electric Co-op, ProVision Partners (formerly Federation Co-op), Jackson Electric Co-op, Land O Lakes Co-op, Oakdale Electric Co-op, Riverland Electric Co-op, Tri-County Telephone Co-op, or Tri-County Communications Co-op.
- Membership is open to any stockholder of the Fall Creek Supply Co-op or Augusta Farmers Union Co-op.
Military, government and schools
- Membership is open to any federal employee or postal employee within a 75-mile radius of La Crosse, Wisconsin.
Family and household
- Membership is open to any persons of the immediate family of a current CCU member.
Cost to join
- Opening and maintaining membership requires $5 in a membership share savings account.
Membership information collected October 5, 2026.