Collins Community Credit Union Auto Loan Rates

How Collins Community Credit Union’s auto loan rates compare

Compared with banks and credit unions near Cedar Rapids, IA, where Collins Community Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Collins Community Credit Union
4.14%APR
Terms
up to 60 months
Discount
None included
Auto Loans
2nd-lowest rate
AIM Credit Union
4.54%APR
Terms
up to 60 months
Discount
Included in the rate
AIM Credit Union rates
3rd-lowest rate
DuTrac Community Credit Union
4.80%APR
Terms
up to 66 months
Discount
None included
DuTrac Community Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 95% of U.S. banks and credit unions

By vehicle

New vehicleNew4.14%
Used vehicleUsed4.14%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Collins Community 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 Loans

Must meet membership eligibility requirements. All loans subject to approval. Loan amount cannot exceed NADA retail or MSRP (or up to 125% LTV of NADA Clean Retail value for qualified borrowers). Rate includes 0.50% Loyalty Discount when setting up automatic loan payments from Collins Community CU checking account with at least 5 monthly transactions including a recurring direct deposit. Standard qualifying rate is 0.50% higher without Loyalty Discount. Rate may vary based on credit score, type of loan, and term.

Terms	APR	Conditions
up to 60 months	4.14%	Model years 2024 to 2026. Includes 0.50% Loyalty Discount (Standard APR as low as 4.64%). Up to 60 Months.
up to 72 months	4.74%	Model years 2024 to 2026. Includes 0.50% Loyalty Discount (Standard APR as low as 5.24%). Up to 72 Months.
up to 78 months	4.94%	Model years 2024 to 2026. Includes 0.50% Loyalty Discount (Standard APR as low as 5.44%). Up to 78 Months.
up to 84 months	5.14%	Model years 2024 to 2026. Includes 0.50% Loyalty Discount (Standard APR as low as 5.64%). Up to 84 Months.
up to 60 months	4.49%	Model years 2021 to 2023. Includes 0.50% Loyalty Discount (Standard APR as low as 4.99%). Up to 60 Months.
up to 72 months	4.89%	Model years 2021 to 2023. Includes 0.50% Loyalty Discount (Standard APR as low as 5.39%). Up to 72 Months.
up to 78 months	5.09%	Model years 2021 to 2023. Includes 0.50% Loyalty Discount (Standard APR as low as 5.59%). Up to 78 Months.
up to 84 months	5.34%	Model years 2021 to 2023. Includes 0.50% Loyalty Discount (Standard APR as low as 5.84%). Up to 84 Months.
up to 60 months	6.24%	Model years 2017 to 2020. Includes 0.50% Loyalty Discount (Standard APR as low as 6.74%). Up to 60 Months.
up to 66 months	6.34%	Model years 2017 to 2020. Includes 0.50% Loyalty Discount (Standard APR as low as 6.84%). Up to 66 Months.
up to 72 months	6.44%	Model years 2017 to 2020. Includes 0.50% Loyalty Discount (Standard APR as low as 6.94%). Up to 72 Months.
up to 60 months	8.94%	Model years 2016 and Older. Includes 0.50% Loyalty Discount (Standard APR as low as 9.44%). Up to 60 Months.
up to 66 months	9.14%	Model years 2016 and Older. Includes 0.50% Loyalty Discount (Standard APR as low as 9.64%). Up to 66 Months.

Sources (3)

All captured Oct 17, 2026

Motorcycles

Certain restrictions apply. All loans subject to approval. Must be or become a Collins Community CU member to obtain a loan. Rates, terms, and conditions subject to change at any time. Rate includes Loyalty Discount of 0.25% when setting up automatic loan payments from Collins Community CU Checking account with at least 5 transactions including a direct deposit. Rate may vary based on credit score, type of loan and term. Loan amount cannot exceed NADA retail or MSRP.

Terms	APR	Conditions
up to 60 months	5.74%	Model years 2024 to 2026. Loyalty APR as low as 5.74% (Standard APR as low as 5.99%, includes 0.25% Loyalty Discount). Up to 60 months.

Sources (1)

collinscu.org/rates/loan-rates/auto-loan-rates · captured Oct 17, 2026

Who can join Collins Community 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 lives, works, attends school, or worships in qualifying counties across Iowa, Illinois, and Wisconsin.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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