Credit union · NCUA insured
Conservation Employees Credit Union Auto Loan Rates
Top CarrotConservation Employees Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How Conservation Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jefferson City, MO, where Conservation Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Conservation Employees Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Auto & Recreational Vehicle Loans
Lowest rate
United Credit Union
4.49%APR
- Terms
- —
- Up to
- 17.04% APR
- Discount
- Included in the rate
3rd-lowest rate
Civic Central Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Conservation Employees Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Conservation Employees 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 & Recreational Vehicle Loans
Loan amounts based on 100% of retail price (JD Power Vehicle Valuation) of new and used vehicles including insurance and taxes. Vehicles accepted as collateral. Subject to creditworthiness, insurance, vehicle age, titles, and member eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | Any Model Year. Loans are subject to member eligibility. CECU may consider longer terms for an addtional 0.50% rate increase. |
| up to 48 months | 4.75% | New and Used. Loans are subject to member eligibility. CECU may consider longer terms for an addtional 0.50% rate increase. |
| up to 60 months | 4.75% | New and Used. Loans are subject to member eligibility. CECU may consider longer terms for an addtional 0.50% rate increase. |
| up to 72 months | 5.00% | New and Used. Loan balance $20,000 or more. Loans are subject to member eligibility. CECU may consider longer terms for an addtional 0.50% rate increase. |
| 73–83 months | 5.00% | New and Used. Loan balance $50,000 or more. Loans are subject to member eligibility. CECU may consider longer terms for an addtional 0.50% rate increase. |
| 84–95 months | 5.50% | New and Used. Loan balance $75,000 or more. Loans are subject to member eligibility. CECU may consider longer terms for an addtional 0.50% rate increase. |
| 96–107 months | 5.75% | New and Used. Loan balance $75,000 or more. Loans are subject to member eligibility. CECU may consider longer terms for an addtional 0.50% rate increase. |
| up to 120 months | 6.00% | New and Used. Loan balance $75,000 or more. Up to 120 months. Loans are subject to member eligibility. CECU may consider longer terms for an addtional 0.50% rate increase. |
Sources (4)
- cecuonline.org/Loans-Cards/Loans/Auto-RV-Loans
- cecuonline.org/Loans-Cards/Loans
- cecuonline.org/Rates/Loan-Rates
- cecuonline.org
All captured Oct 5, 2026
Who can join Conservation Employees Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.