Credit union · NCUA insured
Community First Credit Union Auto Loan Rates
Community First Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Community First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hannibal, MO, where Community First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community First Credit Union
5.24%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Auto Loans
Lowest rate
United Community Credit Union
4.99%APR
- Terms
- up to 84 months
- Up to
- 13.24% APR
- Discount
- None included
3rd-lowest rate
City & County Credit Union
5.44%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Community First Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community First 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
Rates reflect a 50 basis point (0.50%) reduction for automatic/payroll deduction payments. Rate is based on the highest credit score in the case of co-signers. Subject to loan officer/credit committee discretion. Maximum term varies by vehicle age (up to 72 months for 2023 to NEW, extending terms up to 24 months on secured loans over $30,000 may be considered). Combined amount of all secured non-real estate loans for the member.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.24% | Credit Grade A (Score 700+). Maximum LTV 110%. Reflects 0.50% reduction for automatic/payroll deduction payments. Maximum term up to 72 months depending on vehicle age (longer term over $30,000 subject to approval). |
| up to 72 months | 7.74% | Credit Grade B (Score 660 to 699). Maximum LTV 100%. Reflects 0.50% reduction for automatic/payroll deduction payments. Maximum term up to 72 months depending on vehicle age (longer term over $30,000 subject to approval). |
| up to 72 months | 10.24% | Credit Grade C (Score 620 to 659). Maximum LTV 90%. Reflects 0.50% reduction for automatic/payroll deduction payments. Maximum term up to 72 months depending on vehicle age (longer term over $30,000 subject to approval). |
| up to 72 months | 15.24% | Credit Grade D (Score 580 to 619). Maximum LTV 80%. Reflects 0.50% reduction for automatic/payroll deduction payments. Maximum term up to 72 months depending on vehicle age (longer term over $30,000 subject to approval). |
| up to 72 months | 17.24% | Credit Grade E (Score up to 579). Maximum LTV 70%. Reflects 0.50% reduction for automatic/payroll deduction payments. Maximum term up to 72 months depending on vehicle age (longer term over $30,000 subject to approval). |
Sources (2)
All captured Oct 7, 2026
Who can join Community First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Marion and/or Ralls Counties is eligible for membership.
Family and household
- Immediate family members of existing members (including spouse, child, sibling, parent, grandparent, grandchild, aunt, uncle, niece, nephew, first cousin, or legal guardian, and step, in-law, and adoptive relationships) are eligible for membership.
Membership information collected October 4, 2026.