Credit union · NCUA insured
Coastal Credit Union Auto Loan Rates
Top CarrotCoastal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How Coastal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Raleigh, NC, where Coastal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Coastal Credit Union
4.49%APR
- Terms
- 49–66 months
- Up to
- 5.99% APR
New & Used Auto Loans
Lowest rate
Welcome Federal Credit Union
3.50%APR
- Terms
- 60–84 months
- Up to
- —
2nd-lowest rate
ElecTel Cooperative Federal Credit Union
3.65%APR
- Terms
- up to 84 months
- Up to
- —
Coastal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Coastal 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 Refinancing
Subject to credit, income, and collateral requirements and membership eligibility. Available for vehicles model year 2011 and newer. Stated rates are for borrower credit scores 640 or higher; rates may be higher for scores below 640. No refinancing fees charged by Coastal (DMV title fees may apply). Existing Coastal auto loans may be refinanced after 12 consecutive payments. Up to 45 days until first payment (interest accrues daily).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99%–5.74% | Model Year 2027 - 2025. Well-qualified applicants with credit score 640 or higher. |
| 49–66 months | 4.49%–5.99% | Model Year 2027 - 2025. Well-qualified applicants with credit score 640 or higher. |
| 67–84 months | 4.84%–7.04% | Model Year 2027 - 2025. Well-qualified applicants with credit score 640 or higher. |
| up to 48 months | 4.64%–6.34% | Model Year 2024 - 2022. Credit score 640 or higher. |
| 49–66 months | 5.14%–6.59% | Model Year 2024 - 2022. Credit score 640 or higher. |
| 67–84 months | 5.49%–7.64% | Model Year 2024 - 2022. Credit score 640 or higher. |
| up to 48 months | 5.34%–6.89% | Model Year 2021 - 2019. Credit score 640 or higher. |
| 49–66 months | 5.64%–7.14% | Model Year 2021 - 2019. Credit score 640 or higher. |
| 67–84 months | 6.04%–8.19% | Model Year 2021 - 2019. Credit score 640 or higher. |
| up to 48 months | 7.64%–9.19% | Model Year 2018 - 2015. Credit score 640 or higher. Maximum allowable term is 72 months. |
| 49–66 months | 7.89%–9.44% | Model Year 2018 - 2015. Credit score 640 or higher. Maximum allowable term is 72 months. |
| 67–72 months | 8.29%–9.84% | Model Year 2018 - 2015. Credit score 640 or higher. Maximum term capped at 72 months. |
| up to 48 months | 8.79%–10.34% | Model Year 2014 - 2011. Credit score 640 or higher. Maximum allowable term is 66 months. |
| 49–66 months | 9.09%–10.59% | Model Year 2014 - 2011. Credit score 640 or higher. Maximum allowable term is 66 months. |
New & Used Auto Loans
Subject to credit approval and collateral requirements. No difference in rate between new and used auto loans. Stated rates are for borrower credit scores 640 or higher; rates may be higher for scores below 640. Oldest vehicle financed is 2011 model. Terms available up to 84 months with no prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99%–5.74% | Model Year 2027 - 2025. Well-qualified applicants with credit score 640 or higher. |
| 49–66 months | 4.49%–5.99% | Model Year 2027 - 2025. Well-qualified applicants with credit score 640 or higher. |
| 67–84 months | 4.84%–7.04% | Model Year 2027 - 2025. Well-qualified applicants with credit score 640 or higher. |
| up to 48 months | 4.64%–6.34% | Model Year 2024 - 2022. Credit score 640 or higher. |
| 49–66 months | 5.14%–6.59% | Model Year 2024 - 2022. Credit score 640 or higher. |
| 67–84 months | 5.49%–7.64% | Model Year 2024 - 2022. Credit score 640 or higher. |
| up to 48 months | 5.34%–6.89% | Model Year 2021 - 2019. Credit score 640 or higher. |
| 49–66 months | 5.64%–7.14% | Model Year 2021 - 2019. Credit score 640 or higher. |
| 67–84 months | 6.04%–8.19% | Model Year 2021 - 2019. Credit score 640 or higher. |
| up to 48 months | 7.64%–9.19% | Model Year 2018 - 2015. Credit score 640 or higher. Maximum allowable term is 72 months. |
| 49–66 months | 7.89%–9.44% | Model Year 2018 - 2015. Credit score 640 or higher. Maximum allowable term is 72 months. |
| 67–72 months | 8.29%–9.84% | Model Year 2018 - 2015. Credit score 640 or higher. Maximum term capped at 72 months. |
| up to 48 months | 8.79%–10.34% | Model Year 2014 - 2011. Credit score 640 or higher. Maximum allowable term is 66 months. |
| 49–66 months | 9.09%–10.59% | Model Year 2014 - 2011. Credit score 640 or higher. Maximum allowable term is 66 months. |
Who can join Coastal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.