Credit union · NCUA insured
CommunityAmerica Credit Union Auto Loan Rates
Top CarrotCommunityAmerica Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How CommunityAmerica Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where CommunityAmerica Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CommunityAmerica Credit Union
5.74%APR
- Terms
- —
Auto Loan
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
CommunityAmerica Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CommunityAmerica 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 Loan
Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, amount of loan, and vehicle model year.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.74% | Vehicle model years 2022 - 2026. |
| — | 6.24% | Vehicle model years 2018 - 2021. |
Sources (3)
- communityamerica.com
- communityamerica.com/personal/…ools-and-resources/rates
- communityamerica.com/personal/…-credit-cards/auto-loans
All captured Oct 16, 2026
First-Time Auto Loan
Borrower must have 6 months of membership with the credit union, be 18 years or older, provide proof of income, have no credit or limited credit experience with no derogatory history, and have at least 10% down payment. No co-signer required.
| Terms | APR | Conditions |
|---|---|---|
| — | 10.49% | Vehicle model years 2022 - 2026. |
| — | 10.99% | Vehicle model years 2018 - 2021. |
Sources (2)
- communityamerica.com/personal/…ools-and-resources/rates
- communityamerica.com/personal/…-credit-cards/auto-loans
All captured Oct 16, 2026
Harley-Davidson Motorcycle Loan
Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.74% | Vehicle model years 2022 - 2026. |
| — | 8.49% | Vehicle model years 2018 - 2021. |
Sources (1)
- communityamerica.com/personal/…ools-and-resources/rates · captured Oct 16, 2026
Motorcycle Loan
Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates, terms and conditions are subject to change or expire without notice.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.74% | Vehicle model years 2022 - 2026. Rate table shared from lines 397-402. |
| — | 8.49% | Vehicle model years 2018 - 2021. Rate table shared from lines 397-402. |
Sources (1)
- communityamerica.com/personal/…ools-and-resources/rates · captured Oct 16, 2026
Who can join CommunityAmerica Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in select zip codes qualify for membership.
Employers and groups
- Employees of over 1,100 partner companies and their immediate family qualify for membership.
Family and household
- Family members of an existing CommunityAmerica member qualify for membership.
Other ways
- Members of Friends of Hobbs (supporting Hobbs State Park in Rogers, Arkansas) qualify for membership with registration available during application at no cost.
Membership information collected October 4, 2026.