Credit union · NCUA insured
Commonwealth Credit Union Auto Loan Rates
Top CarrotCommonwealth Credit Union auto loans start at 5.74% APR for a new vehicle and 6.24% for a used one. Rates checked October 22, 2026.
How Commonwealth Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lexington, KY, where Commonwealth Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Commonwealth Credit Union
5.74%APR
- Terms
- 49–63 months
- Discount
- None included
New Auto Loans
Lowest rate
Lexington Postal Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Ashland Credit Union
5.08%APR
- Terms
- 61–72 months
- Discount
- Included in the rate
Commonwealth Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Commonwealth 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.
New Auto Loans
Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. 100% financing available. An automatic 0.25% rate discount is available for Hybrid Electric and Electric Vehicles (Green Auto Loans initiative).
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 5.49% | Rate is APR as low as. Monthly payment example: $23.26 per $1,000 borrowed based on a 48 month term. Subject to creditworthiness, qualifications, collateral conditions, and approval. |
| 49–63 months | 5.74% | Rate is APR as low as. Monthly payment example: $18.43 per $1,000 borrowed based on a 63 month term (or $368.43 for a $20,000 loan). Subject to creditworthiness, qualifications, collateral conditions, and approval. |
| 64–75 months | 6.24% | Rate is APR as low as. Monthly payment example: $16.14 per $1,000 borrowed based on a 75 month term. Subject to creditworthiness, qualifications, collateral conditions, and approval. |
| 76–84 months | 6.74% | Rate is APR as low as. Monthly payment example: $14.97 per $1,000 borrowed based on a 84 month term. Subject to creditworthiness, qualifications, collateral conditions, and approval. |
Sources (4)
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/borrow/auto-loans
- ccuky.org/my-life/rates
- ccuky.org/rates
All captured Oct 5, 2026
Used Auto Loans
Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. 100% financing available. An automatic 0.25% rate discount is available for Hybrid Electric and Electric Vehicles (Green Auto Loans initiative).
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 5.74% | Rate is APR as low as. Monthly payment example: $23.37 per $1,000 borrowed based on a 48 month term. Subject to creditworthiness, qualifications, collateral conditions, and approval. |
| 49–63 months | 6.24% | Rate is APR as low as. Monthly payment example: $18.66 per $1,000 borrowed based on a 63 month term (or $373.09 for a $20,000 refinance loan). Subject to creditworthiness, qualifications, collateral conditions, and approval. |
| 64–75 months | 6.74% | Rate is APR as low as. Monthly payment example: $16.38 per $1,000 borrowed based on a 75 month term. Subject to creditworthiness, qualifications, collateral conditions, and approval. |
| 76–84 months | 7.24% | Rate is APR as low as. Monthly payment example: $15.21 per $1,000 borrowed based on a 84 month term. Subject to creditworthiness, qualifications, collateral conditions, and approval. |
Who can join Commonwealth Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living, working, conducting business, worshipping, or attending school in 35 specified Kentucky counties, as well as businesses located there, are eligible to join.
Employers and groups
- Employees of Baptist Health Lexington or Zoeller are eligible for membership.
Military, government and schools
- Members of Kentucky Education Association or Kentucky Retired Teachers Association are eligible to join.
- Employees and members of specific state government and education entities in Kentucky are eligible for membership.
Family and household
- Immediate family members of current members are eligible to join.
Other ways
- Individuals can become eligible for membership by joining one of the credit union's partner associations at no cost.
Membership information collected October 4, 2026.