Credit union · NCUA insured
COPFCU Auto Loan Rates
COPFCU auto loans start at 5.49% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How COPFCU’s auto loan rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where COPFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
COPFCU
5.49%APR
- Terms
- up to 76 months
- Up to
- 16.49% APR
New Auto (2023 & Newer)
Lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
2nd-lowest rate
Cincinnati Interagency Federal Credit Union
4.24%APR
- Terms
- —
- Up to
- —
COPFCU auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where COPFCU 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.
New Auto (2023 & Newer)
Actual rate, terms, and eligibility are subject to credit approval and may vary based on credit profile, vehicle age, loan amount, and financing term. Up to 0.50% rate rebate based on Rewards Plus status. Loans currently financed with COPFCU are not eligible for refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 76 months | 5.49%–16.49% | — |
| up to 84 months | 6.49%–6.74% | Minimum loan amount of $35,000 and credit score of 670+ required for loans financed for 84 months. |
Sources (1)
- copfcu.com/loans/car-and-truck/car-and-truck-loans-2 · captured Oct 16, 2026
Used Auto (2019 & Older)
Actual rate, terms, and eligibility are subject to credit approval and may vary based on credit profile, vehicle age, loan amount, and financing term. Up to 0.50% rate rebate based on Rewards Plus status. Loans currently financed with COPFCU are not eligible for refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.24%–16.49% | — |
| up to 60 months | 6.24%–8.74% | — |
Sources (1)
- copfcu.com/loans/car-and-truck/car-and-truck-loans-2 · captured Oct 16, 2026
Used Auto (2020 - 2022)
Actual rate, terms, and eligibility are subject to credit approval and may vary based on credit profile, vehicle age, loan amount, and financing term. Up to 0.50% rate rebate based on Rewards Plus status. Loans currently financed with COPFCU are not eligible for refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99%–16.49% | — |
| up to 76 months | 5.99%–8.49% | — |
Sources (1)
- copfcu.com/loans/car-and-truck/car-and-truck-loans-2 · captured Oct 16, 2026
Who can join COPFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to police, firemen, public school employees, and federal, state, and local government employees.
Family and household
- Membership is open to family members of eligible public servants and government employees.
Membership information collected October 5, 2026.