Credit union · NCUA insured
Community First Credit Union Auto Loan Rates
Top CarrotCommunity First Credit Union auto loans start at 3.50% APR for a new vehicle and 3.50% for a used one. Rates checked October 5, 2026.
How Community First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Appleton, WI, where Community First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community First Credit Union
3.50%APR
- Terms
- up to 66 months
Marathon Loan Sale – Cars, Trucks & Cycles (2020 to 2026)
2nd-lowest rate
Unison Credit Union
3.99%APR
- Terms
- up to 60 months
3rd-lowest rate
Capital Credit Union
4.24%APR
- Terms
- up to 60 months
Community First Credit Union auto loan score
98
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.50%
- Used vehicleUsed3.50%
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.
Cars, Trucks, & Cycles – 2017 to 2019
Terms up to 48 months valid on autos only. All loans subject to credit approval. Rates subject to change without notice. Relationship discounts available: 0.50% discount for Checking + AutoPay, 1.00% discount for Checking + AutoPay + Direct Deposit.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | Monthly payment is based on payment per $1,000 for term and rate shown ($43.65/mo). |
| up to 36 months | 4.50% | Monthly payment is based on payment per $1,000 for term and rate shown ($29.75/mo). |
| up to 48 months | 4.50% | Terms up to 48 months valid on autos only. Monthly payment is based on payment per $1,000 for term and rate shown ($22.80/mo). |
Sources (2)
All captured Oct 5, 2026
Cars, Trucks, & Cycles – 2020 to 2024
Your account relationship and credit score determine your rate. All loans subject to credit approval. Relationship discounts available: 0.50% discount for Checking + AutoPay, 1.00% discount for Checking + AutoPay + Direct Deposit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.50% | Monthly payment is based on payment per $1,000 for term and rate shown ($29.30/mo). |
| up to 48 months | 3.50% | Maximum term for 2020 model year. Monthly payment is based on payment per $1,000 for term and rate shown ($22.36/mo). |
| up to 60 months | 3.50% | Available for 2021 & newer model years only. Monthly payment is based on payment per $1,000 for term and rate shown ($18.19/mo). |
| up to 66 months | 3.50% | Available for 2021 & newer model years only. Monthly payment is based on payment per $1,000 for term and rate shown ($16.68/mo). |
| up to 72 months | 3.50% | Available for 2022 & newer model years only. Monthly payment is based on payment per $1,000 for term and rate shown ($15.42/mo). |
Sources (2)
All captured Oct 5, 2026
Cars, Trucks, & Cycles – 2025 & Newer
Your account relationship and credit score determine your rate. All loans subject to credit approval. Relationship discounts available: 0.50% discount for Checking + AutoPay, 1.00% discount for Checking + AutoPay + Direct Deposit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.50% | Monthly payment is based on payment per $1,000 for term and rate shown ($29.30/mo). |
| up to 48 months | 3.50% | Monthly payment is based on payment per $1,000 for term and rate shown ($22.36/mo). |
| up to 60 months | 3.50% | Monthly payment is based on payment per $1,000 for term and rate shown ($18.19/mo). |
| up to 72 months | 3.50% | Monthly payment is based on payment per $1,000 for term and rate shown ($15.42/mo). |
| up to 84 months | 5.24% | Not available for motorcycle financing. $30,000 minimum loan amount required. Monthly payment is based on payment per $1,000 for term and rate shown ($14.25/mo). |
Sources (2)
All captured Oct 5, 2026
Marathon Loan Sale – Cars, Trucks & Cycles (2020 to 2026)
For a limited time. Sale ends October 5, 2026. Cannot be combined with any other special or discounts. Requires minimum $10,000 new money to Community First to qualify. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.50% | Monthly payment is based on payment per $1,000 for term and rate shown ($29.30/mo). Requires minimum $10,000 new money to Community First. Cannot be combined with other discounts. Sale ends October 5, 2026. |
| up to 48 months | 3.50% | Maximum term for 2020 model year. Monthly payment is based on payment per $1,000 for term and rate shown ($22.36/mo). Requires minimum $10,000 new money to Community First. Cannot be combined with other discounts. Sale ends October 5, 2026. |
| up to 60 months | 3.50% | Available for 2021 & newer model years only. Monthly payment is based on payment per $1,000 for term and rate shown ($18.19/mo). Requires minimum $10,000 new money to Community First. Cannot be combined with other discounts. Sale ends October 5, 2026. |
| up to 66 months | 3.50% | Available for 2021 & newer model years only. Monthly payment is based on payment per $1,000 for term and rate shown ($16.68/mo). Requires minimum $10,000 new money to Community First. Cannot be combined with other discounts. Sale ends October 5, 2026. |
| up to 72 months | 3.50% | Available for 2022 & newer model years only. Monthly payment is based on payment per $1,000 for term and rate shown ($15.42/mo). Requires minimum $10,000 new money to Community First. Cannot be combined with other discounts. Sale ends October 5, 2026. |
Sources (1)
- communityfirstcu.org/marathonloansale · captured Oct 5, 2026
Who can join Community First Credit Union
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