Credit union · NCUA insured
Connexus Credit Union Auto Loan Rates
Connexus Credit Union auto loans start at 5.29% APR for a new vehicle and 5.29% for a used one. Rates checked October 16, 2026.
How Connexus Credit Union’s auto loan rates compare
Compared with banks and credit unions near Madison, WI, where Connexus Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Connexus Credit Union
5.29%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loan
Lowest rate
Bank of Sun Prairie
4.70%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
2nd-lowest rate
Madison Fire Department Credit Union
4.87%APR
- Terms
- up to 60 months
- Discount
- None included
Connexus Credit Union auto loan score
72
Auto loan score
Higher than 30% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Connexus 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
Available to current and prospective members (must join during funding). Offer does not apply to loans currently financed at Connexus Credit Union. Must apply between May 4, 2026, and August 2, 2026 for the special promotional offer. Rates include a 1% Digital Banking/eStatements discount and a 1% electronic auto-pay discount. Member Loyalty Program offers a 0.25% discount for qualified members but cannot be combined with any other offers or discounts. Loan term must be at least 24 months. Term length limits: model years 2023-2024 max 84 months, 2020-2022 max 72 months, 2019 and older max 60 months. Make no auto loan payments for up to 90 days upon request (applies to 2024 and older, subject to request at application and credit approval; interest accrues upon disbursal).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.69% | Model year 2025 or newer. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 36 months | 4.99% | Model year 2025 or newer. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 48 months | 5.09% | Model year 2025 or newer. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 60 months | 5.29% | Model year 2025 or newer. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 72 months | 5.59% | Model year 2025 or newer. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 84 months | 6.44% | Model year 2025 or newer. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 24 months | 4.79% | Model year 2024 and older. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. Up to 90 days no payment deferral available upon request. |
| up to 36 months | 5.09% | Model year 2024 and older. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. Up to 90 days no payment deferral available upon request. |
| up to 48 months | 5.39% | Model year 2024 and older. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. Up to 90 days no payment deferral available upon request. |
| up to 60 months | 5.59% | Model year 2024 and older. Maximum term is 60 months for model years 2019 and older. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. Up to 90 days no payment deferral available upon request. |
| up to 72 months | 6.29% | Model year 2024 and older. Maximum term is 72 months for model years 2020-2022 (not available for 2019 and older). Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. Up to 90 days no payment deferral available upon request. |
| up to 84 months | 6.74% | Model year 2024 and older. Maximum term is 84 months for model years 2023-2024 (not available for 2022 and older). Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. Up to 90 days no payment deferral available upon request. |
Sources (1)
- connexuscu.org/loans/auto · captured Oct 16, 2026
Auto Refinance
Available to current and prospective members (must join during funding). Offer does not apply to auto loans currently financed at Connexus Credit Union. Must apply between May 4, 2026, and August 2, 2026. No application fees, annual fees, or prepayment penalties. Includes 1% discount for Digital Banking with eStatements and 1% discount for automatic electronic payments. Additional 0.25% discount may apply under the Member Loyalty Program. Term limits apply by model year: 2023-2024 max 84 months, 2020-2022 max 72 months, 2019 and older max 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.69% | Model year 2025 or newer. Includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 36 months | 4.99% | Model year 2025 or newer. Includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 48 months | 5.09% | Model year 2025 or newer. Includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 60 months | 5.29% | Model year 2025 or newer. Includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 72 months | 5.59% | Model year 2025 or newer. Includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 84 months | 6.44% | Model year 2025 or newer. Includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 24 months | 4.79% | Model year 2024 and older. Includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 36 months | 5.09% | Model year 2024 and older. Includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 48 months | 5.39% | Model year 2024 and older. Includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 60 months | 5.59% | Model year 2024 and older. Maximum term is 60 months for model years 2019 and older. Includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 72 months | 6.29% | Model year 2024 and older. Maximum term is 72 months for model years 2020-2022 (not available for 2019 and older). Includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
| up to 84 months | 6.74% | Model year 2024 and older. Maximum term is 84 months for model years 2023-2024 (not available for 2022 and older). Includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount. |
Who can join Connexus Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone in the U.S. can join Connexus Credit Union by joining the Connexus Association through a one-time $5 donation.
Where you live or work
- Residents of specified counties/communities in IL, MN, OH, and WI, or within 25 miles of Sheldon, WI or 15 miles of Chetek, WI, are eligible to join without a donation.
Employers and groups
- Employees, retirees, family members, members, students, or student alumni of specified groups and companies are eligible to join without a donation.
Family and household
- Spouses, family members, and those living in the same household of an existing member can join without a donation.
Cost to join
- A one-time non-refundable $5 donation/dues to the Connexus Association is required to join via the Connexus Association.
- A refundable $5 share deposit into a savings account is required to establish membership.
Membership information collected October 5, 2026.