Credit union · NCUA insured
Cooperative Credit Union Auto Loan Rates
Cooperative Credit Union auto loans start at 4.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.
How Cooperative Credit Union’s auto loan rates compare
Compared with banks and credit unions in Kansas, where Cooperative Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cooperative Credit Union
4.25%APR
- Terms
- up to 72 months
- Up to
- —
NEW Auto 2025-2026 Mileage Under 10,000
Lowest rate
Bell Credit Union
3.75%APR
- Terms
- 36–60 months
- Up to
- 11.00% APR
2nd-lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
Cooperative Credit Union auto loan score
87
Auto loan score
Higher than 78% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cooperative 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.
Classic Cars
Maximum 60 months. 12.9% rate applies to classic cars.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 12.90% | Classic Cars fixed rate; maximum 60 months. |
NEW Auto 2025-2026 Mileage Under 10,000
Current or prior year models under 10,000 miles. Total LTV up to 125% for Tier A+, 115% for Tier A, 110% for Tier B, 100% for Tier C, 90% for Tier D. $100 loan origination fee on funded contracts; $25 membership deposit required for new members.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.00% | Tier A+ (Credit score 730+). |
| up to 36 months | 3.75% | Tier A (Credit score 729-680). |
| up to 36 months | 4.75% | Tier B (Credit score 679-650). |
| up to 36 months | 8.00% | Tier C (Credit score 649-600). |
| up to 36 months | 9.00% | Tier D (Credit score 550-599). |
| up to 48 months | 3.50% | Tier A+ (Credit score 730+). |
| up to 48 months | 4.00% | Tier A (Credit score 729-680). |
| up to 48 months | 5.00% | Tier B (Credit score 679-650). |
| up to 48 months | 8.25% | Tier C (Credit score 649-600). |
| up to 48 months | 9.25% | Tier D (Credit score 550-599). |
| up to 60 months | 3.75% | Tier A+ (Credit score 730+). |
| up to 60 months | 4.25% | Tier A (Credit score 729-680). |
| up to 60 months | 5.25% | Tier B (Credit score 679-650). |
| up to 60 months | 8.50% | Tier C (Credit score 649-600). |
| up to 60 months | 9.75% | Tier D (Credit score 550-599). |
| up to 66 months | 4.00% | Tier A+ (Credit score 730+). |
| up to 66 months | 5.00% | Tier A (Credit score 729-680). |
| up to 66 months | 5.50% | Tier B (Credit score 679-650). |
| up to 66 months | 8.75% | Tier C (Credit score 649-600). |
| up to 66 months | 10.25% | Tier D (Credit score 550-599). |
| up to 72 months | 4.25% | Tier A+ (Credit score 730+). Minimum loan amount $15,000. |
| up to 72 months | 4.75% | Tier A (Credit score 729-680). Minimum loan amount $15,000. |
| up to 72 months | 5.75% | Tier B (Credit score 679-650). Minimum loan amount $15,000. |
| up to 72 months | 9.00% | Tier C (Credit score 649-600). Minimum loan amount $15,000. |
| up to 72 months | 10.75% | Tier D (Credit score 550-599). Minimum loan amount $15,000. |
| up to 84 months | 4.50% | Tier A+ (Credit score 730+). Minimum loan amount $25,000. |
| up to 84 months | 5.00% | Tier A (Credit score 729-680). Minimum loan amount $25,000. |
| up to 84 months | 6.00% | Tier B (Credit score 679-650). Minimum loan amount $25,000. |
| up to 84 months | 9.25% | Tier C (Credit score 649-600). Minimum loan amount $25,000. |
Sources (1)
- cooperativecu.com/loan-rates · captured Sep 18, 2026
USED Auto 2020-2026 Mileage between 10,000 and 60,000
Used vehicles 2020-2026 with mileage between 10,000 and 60,000. Total LTV up to 125% for Tier A+, 115% for Tier A, 110% for Tier B, 100% for Tier C, 90% for Tier D. $100 loan origination fee; $25 membership deposit for new members.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Tier A+ (Credit score 730+). |
| up to 36 months | 5.75% | Tier A (Credit score 729-680). |
| up to 36 months | 6.75% | Tier B (Credit score 679-650). |
| up to 36 months | 9.25% | Tier C (Credit score 649-600). |
| up to 36 months | 10.75% | Tier D (Credit score 550-599). |
| up to 48 months | 5.50% | Tier A+ (Credit score 730+). |
| up to 48 months | 6.00% | Tier A (Credit score 729-680). |
| up to 48 months | 7.00% | Tier B (Credit score 679-650). |
| up to 48 months | 9.50% | Tier C (Credit score 649-600). |
| up to 48 months | 11.00% | Tier D (Credit score 550-599). |
| up to 60 months | 5.75% | Tier A+ (Credit score 730+). |
| up to 60 months | 6.25% | Tier A (Credit score 729-680). |
| up to 60 months | 7.25% | Tier B (Credit score 679-650). |
| up to 60 months | 9.75% | Tier C (Credit score 649-600). |
| up to 60 months | 11.50% | Tier D (Credit score 550-599). |
| up to 66 months | 6.00% | Tier A+ (Credit score 730+). |
| up to 66 months | 6.50% | Tier A (Credit score 729-680). |
| up to 66 months | 7.50% | Tier B (Credit score 679-650). |
| up to 66 months | 10.00% | Tier C (Credit score 649-600). |
| up to 66 months | 12.00% | Tier D (Credit score 550-599). |
| up to 72 months | 6.25% | Tier A+ (Credit score 730+). Minimum loan amount $15,000. |
| up to 72 months | 6.75% | Tier A (Credit score 729-680). Minimum loan amount $15,000. |
| up to 72 months | 7.75% | Tier B (Credit score 679-650). Minimum loan amount $15,000. |
| up to 72 months | 10.25% | Tier C (Credit score 649-600). Minimum loan amount $15,000. |
| up to 72 months | 12.50% | Tier D (Credit score 550-599). Minimum loan amount $15,000. |
Sources (1)
- cooperativecu.com/loan-rates · captured Sep 18, 2026
Used Auto 2012-2019
Used vehicles model years 2012-2019. Maximum mileage up to 150,000 (200,000 for diesels); add 1.0% for vehicles over 100,000 miles or 2.0% for over 125,000 miles. Total LTV up to 125% for Tier A+, 115% for Tier A, 110% for Tier B, 100% for Tier C, 90% for Tier D. $100 origination fee; $25 membership deposit for new members.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.25% | Tier A+ (Credit score 730+). |
| up to 36 months | 6.75% | Tier A (Credit score 729-680). |
| up to 36 months | 7.75% | Tier B (Credit score 679-650). |
| up to 36 months | 10.25% | Tier C (Credit score 649-600). |
| up to 36 months | 12.50% | Tier D (Credit score 550-599). |
| up to 48 months | 6.50% | Tier A+ (Credit score 730+). |
| up to 48 months | 7.00% | Tier A (Credit score 729-680). |
| up to 48 months | 8.00% | Tier B (Credit score 679-650). |
| up to 48 months | 10.50% | Tier C (Credit score 649-600). |
| up to 48 months | 13.00% | Tier D (Credit score 550-599). |
| up to 60 months | 6.75% | Tier A+ (Credit score 730+). |
| up to 60 months | 7.25% | Tier A (Credit score 729-680). |
| up to 60 months | 8.25% | Tier B (Credit score 679-650). |
| up to 60 months | 11.00% | Tier C (Credit score 649-600). |
| up to 60 months | 13.50% | Tier D (Credit score 550-599). |
| up to 66 months | 7.00% | Tier A+ (Credit score 730+). |
| up to 66 months | 7.50% | Tier A (Credit score 729-680). |
| up to 66 months | 8.50% | Tier B (Credit score 679-650). |
| up to 66 months | 11.50% | Tier C (Credit score 649-600). |
| up to 66 months | 14.00% | Tier D (Credit score 550-599). |
Sources (1)
- cooperativecu.com/loan-rates · captured Sep 18, 2026
Who can join Cooperative 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 living within a 100-mile radius of Coffeyville, Kansas, the surrounding contiguous 26 Kansas counties, the Coffeyville Kansas trade area, patrons, family members, affiliates, and organizations of such persons are eligible for membership.
Employers and groups
- Individuals employed and retired by CVR Energy of Coffeyville, Kansas, its affiliates, patrons, survivor companies, contract employees, members of their families, organizations of such persons, and subsidiary locations in Bartlesville, Oklahoma and Winfield, Kansas are eligible for membership.
- Individuals, employees, volunteers, and patrons of The Friends of the Mansion are eligible for membership.
Other ways
- Individuals living, working, residing, or worshipping in any community who are of the Catholic Faith or any recognized religious faith are eligible for membership.
Membership information collected October 4, 2026.