Credit union · NCUA insured
CPM Federal Credit Union Auto Loan Rates
Top CarrotCPM Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.69% for a used one. Rates checked October 22, 2026.
How CPM Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Greenville, SC, where CPM Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CPM Federal Credit Union
4.49%APR
- Terms
- 37–60 months
- Up to
- —
New Autos
Lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
2nd-lowest rate
Greenville Heritage Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
CPM Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CPM Federal 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 Refinance
Existing CPM Federal Credit Union auto loans are not eligible. Proof of current rate may be required. Applicable rate cannot be below floor rate of 4.99%. Max loan to value 110%; max age 3 years for extended terms. Up to 90 days no payment (interest accrues from disbursement date).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.19% | New auto refinance loan rate for 36 months. Proof of current rate may be required. Existing CPM auto loans not eligible. Floor rate of 4.99% applies unless promotional exception applies. |
| up to 36 months | 4.99% | Used auto refinance loan rate for 36 months. Proof of current rate may be required. Existing CPM auto loans not eligible. Floor rate 4.99%. |
New Autos
New vehicles are current or previous year models with less than 18,000 miles. Maximum loan to value 110%. Membership rules and underwriting approval apply. Best rates based on approved credit and minimum FICO score. Tenured member loyalty discount available (0.10% for 5+ years, 0.20% for 10+ years).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Rates listed are best available based on approved credit. Up to 36 months. |
| 37–60 months | 4.49% | Rates listed are best available based on approved credit. 37 - 60 months. |
| 61–72 months | 4.69% | Rates listed are best available based on approved credit. 61 - 72 months. |
| 73–84 months | 5.39% | Rates listed are best available based on approved credit. 73-84 months. |
Used Autos
Maximum loan to value 110%. Maximum vehicle age 3 years for extended terms. Membership rules and underwriting approval apply. Best rates based on approved credit and minimum FICO score. Tenured member loyalty discount available (0.10% for 5+ years, 0.20% for 10+ years).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Rates listed are best available based on approved credit. Up to 36 months. |
| 37–60 months | 4.69% | Rates listed are best available based on approved credit. 37 - 60 months. |
| 61–72 months | 4.89% | Rates listed are best available based on approved credit. 61 - 72 months. |
| 73–84 months | 5.99% | Rates listed are best available based on approved credit. 73-84 months. |
Who can join CPM Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.