Credit union · NCUA insured
Credit Union of Colorado Auto Loan Rates
Credit Union of Colorado auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Credit Union of Colorado’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where Credit Union of Colorado has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Credit Union of Colorado
5.99%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
New Auto Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
2nd-lowest rate
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
- Discount
- None included
Credit Union of Colorado auto loan score
65
Auto loan score
Higher than 13% of U.S. banks and credit unions
- New vehicleNew5.99%
- 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 Credit Union of Colorado 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.
FlexChoice Auto Loans
All new and up to five-year-old vehicles qualify. Financed for up to 72 months. $825 program fee can be financed into loan. 100% financing with no money down. No capitalization fees. No early payoff penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.99% | Any amount financed / up to 72 months term; rate is for 66 months or less with LTV 80% or less and automatic payment discount. |
Motorcycle Loans
Must be street legal, minimum 50cc engine size.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.25% | Fixed Rate - Up to 60 months. |
Sources (1)
- cuofco.org/vehicle-loan-rates · captured Oct 22, 2026
New Auto Loans
Rates only applied to loans originated in Colorado. Rate adjustments for extended terms and LTV apply. Current or recent model-year with 2,000 miles or less. Less than $25,000 terms up to 75 months; over $25,000 terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.99% | Current and recent model year; for 66 months or less with LTV 80% or less and automatic payment discount. |
Sources (1)
- cuofco.org/vehicle-loan-rates · captured Oct 22, 2026
Used Auto Loans
Rates only applied to loans originated in Colorado. Rate adjustments for extended terms and LTV apply. Model years 2016 and newer, over $25,000, may have terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.99% | Model years 2016 - 2026: up to 66 mo.; for 66 months or less with LTV 80% or less and automatic payment discount. |
Sources (1)
- cuofco.org/vehicle-loan-rates · captured Oct 22, 2026
Who can join Credit Union of Colorado
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Current or retired employees and board members of eligible Colorado colleges, universities, and special districts qualify for membership.
- Current or retired employees of Colorado city, town, or county governments are eligible for membership.
- Current or retired employees of Colorado School Districts are eligible for membership.
- Current or retired employees of the Colorado State Government are eligible for membership.
Family and household
- Family members of individuals belonging to eligible groups qualify for membership.
Other ways
- Anyone can qualify for membership by joining the Credit Union of Colorado Foundation with a minimum donation of $10.
Cost to join
- Membership requires an initial deposit of $5.
Membership information collected October 4, 2026.