Credit union · NCUA insured
CODE Credit Union Auto Loan Rates
CODE Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How CODE Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dayton, OH, where CODE Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CODE Credit Union
5.49%APR
- Terms
- up to 63 months
- Up to
- —
Auto Loan Special Offer
Lowest rate
Universal 1 Credit Union
4.54%APR
- Terms
- up to 63 months
- Up to
- 14.06% APR
2nd-lowest rate
Wright-Patt Credit Union
4.99%APR
- Terms
- up to 63 months
- Up to
- 15.44% APR
CODE Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CODE 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 Special Offer
Available for new and used vehicles financed up to 63 months with qualified credit. Special promotion includes no payment for 90 days on loans of $5,000 or more closed beginning June 1, 2025 (first payment 90 days from closing or September 20, 2025, whichever comes first; interest accrues from disbursement; excludes motorcycles or refinancing existing CODE CU loans). Also includes 2% cash back up to $400 for transferred/refinanced loans from another institution with direct deposit and automatic payment from a CODE deposit account (excludes existing CODE CU loans and dealership closed loans). Membership open to persons who live, work, worship, or attend school in Montgomery, Darke, Preble, Warren, Miami, Clark, and Greene counties.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | Based on new and used vehicles financed up to 63 months with qualified credit. |
Who can join CODE 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who works, lives, worships, or attends school in Montgomery, Miami, Preble, Darke, Clark, Greene, or Warren County.
Membership information collected October 5, 2026.