Credit union · NCUA insured
Community Choice Credit Union Auto Loan Rates
Community Choice Credit Union auto loans start at 4.52% APR for a new vehicle and 4.52% for a used one. Rates checked October 16, 2026.
How Community Choice Credit Union’s auto loan rates compare
Compared with banks and credit unions near Des Moines, IA, where Community Choice Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community Choice Credit Union
4.52%APR
- Terms
- 37–66 months
Vehicle Loans
Lowest rate
Midland Credit Union
4.10%APR
- Terms
- —
2nd-lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
Community Choice Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.52%
- Used vehicleUsed4.52%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community Choice 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.
Vehicle Loans
Vehicle rates reflect a 0.75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Offer to skip payment for up to 99 days when refinancing from another financial institution or purchasing.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 3.92% | 2025 & Newer model years. Reflects 0.75% direct deposit and automatic payment discount. |
| 37–66 months | 4.52% | 2025 & Newer model years. Reflects 0.75% direct deposit and automatic payment discount. |
| 67–72 months | 4.62% | 2025 & Newer model years. Reflects 0.75% direct deposit and automatic payment discount. |
| 73–78 months | 4.72% | 2025 & Newer model years. Reflects 0.75% direct deposit and automatic payment discount. |
| 79–84 months | 4.82% | 2025 & Newer model years. Reflects 0.75% direct deposit and automatic payment discount. |
| 1–60 months | 4.52% | 2024 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 61–66 months | 4.52% | 2024 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 1–60 months | 4.82% | 2023 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 61–66 months | 4.82% | 2023 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 67–72 months | 4.92% | 2023 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 73–78 months | 5.02% | 2023 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 79–84 months | 5.12% | 2023 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 1–60 months | 5.17% | 2022 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 61–66 months | 5.17% | 2022 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 67–72 months | 5.27% | 2022 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 73–78 months | 5.37% | 2022 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 79–84 months | 5.47% | 2022 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 1–60 months | 5.47% | 2021 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 61–66 months | 5.47% | 2021 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 67–72 months | 5.57% | 2021 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 73–78 months | 5.67% | 2021 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 79–84 months | 5.77% | 2021 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 1–60 months | 5.77% | 2020 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 61–66 months | 5.77% | 2020 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 67–72 months | 5.87% | 2020 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 73–78 months | 5.97% | 2020 model year. Reflects 0.75% direct deposit and automatic payment discount. |
| 1–48 months | 8.52% | 2015 & 2016 model years. Reflects 0.75% direct deposit and automatic payment discount. |
| 49–60 months | 8.62% | 2015 & 2016 model years. Reflects 0.75% direct deposit and automatic payment discount. |
| 1–48 months | 8.62% | 2014 & Older model years. Reflects 0.75% direct deposit and automatic payment discount. |
Sources (3)
All captured Oct 7, 2026
Who can join Community Choice Credit Union
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