Credit union · NCUA insured
Cotton Belt FCU Auto Loan Rates
Cotton Belt FCU auto loans start at 5.29% APR for a new vehicle and 5.29% for a used one. Rates checked October 22, 2026.
How Cotton Belt FCU’s auto loan rates compare
Compared with banks and credit unions near Pine Bluff, AR, where Cotton Belt FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cotton Belt FCU
5.29%APR
- Terms
- —
- Discount
- None included
Auto Loans (model years 2022 and newer)
2nd-lowest rate
Bank of America
5.64%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Cotton Belt FCU auto loan score
76
Auto loan score
Higher than 42% 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 Cotton Belt FCU 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 Loans (model years 2016 and older)
All auto loans are subject to 90 Days Deferred Payment. Actual rate may vary based on loan amount, term, creditworthiness and other factors.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.99% | Rates shown here are lowest rates. Subject to 90 Days Deferred Payment (first payment deferred for 90 days / three billing cycles; interest accrues during 90 days). |
Auto Loans (model years 2017-2021)
All auto loans are subject to 90 Days Deferred Payment. Actual rate may vary based on loan amount, term, creditworthiness and other factors.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99% | Rates shown here are lowest rates. Subject to 90 Days Deferred Payment (first payment deferred for 90 days / three billing cycles; interest accrues during 90 days). |
Auto Loans (model years 2022 and newer)
All auto loans are subject to 90 Days Deferred Payment. Actual rate may vary based on loan amount, term, creditworthiness and other factors.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.29% | Rates shown here are lowest rates. Subject to 90 Days Deferred Payment (first payment deferred for 90 days / three billing cycles; interest accrues during 90 days). |
Who can join Cotton Belt FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Jefferson, Lonoke, Cleveland, or Lincoln County.
Employers and groups
- Membership is open to members of the Cotton Belt Historical Society.
Military, government and schools
- Membership is open to employees and students of the University of Arkansas at Pine Bluff (UAPB).
Family and household
- Membership is open to family members of Cotton Belt FCU members, such as spouses, grandparents, stepchildren, and other relatives.
Cost to join
- Opening an account requires a deposit of at least $5 for a savings account.
Membership information collected October 4, 2026.