Credit union · NCUA insured
CrossRoads Financial Federal Credit Union Auto Loan Rates
CrossRoads Financial Federal Credit Union auto loans start at 5.22% APR for a new vehicle and 5.88% for a used one. Rates checked October 15, 2026.
How CrossRoads Financial Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Muncie, IN, where CrossRoads Financial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CrossRoads Financial Federal Credit Union
5.22%APR
- Terms
- —
Auto Loans
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
2nd-lowest rate
First County FCU
4.49%APR
- Terms
- up to 60 months
CrossRoads Financial Federal Credit Union auto loan score
74
Auto loan score
Higher than 37% of U.S. banks and credit unions
- New vehicleNew5.22%
- Used vehicleUsed5.88%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CrossRoads Financial 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 Loans
Rates advertised as low as based on borrower qualifications; subject to credit approval and one-time processing fee; rates subject to change at any time without notice.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.22% | Model year 2022 – New. APR as low as based on borrower qualifications, including model year, vehicle condition, credit history, loan amount, term, and LTV; subject to credit approval; one-time processing fee applies; rates subject to change. |
| — | 5.88% | Model years 2019-2021. APR as low as based on borrower qualifications, including model year, vehicle condition, credit history, loan amount, term, and LTV; subject to credit approval; one-time processing fee applies; rates subject to change. |
| — | 7.97% | Model years 2016-2018. APR as low as based on borrower qualifications, including model year, vehicle condition, credit history, loan amount, term, and LTV; subject to credit approval; one-time processing fee applies; rates subject to change. |
| — | 9.57% | Model years 2015 & Older. APR as low as based on borrower qualifications, including model year, vehicle condition, credit history, loan amount, term, and LTV; subject to credit approval; one-time processing fee applies; rates subject to change. |
Who can join CrossRoads Financial Federal Credit Union
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, attends school, or volunteers in Adams, Blackford, Delaware, Jay, Randolph, or Wells County in Indiana, or Darke, Mercer, or Van Wert County in Ohio.
Family and household
- Membership is open to individuals who have an immediate family member with an account at CrossRoads.
Cost to join
- A $5 deposit into a savings account is required to secure membership and establish ownership at CrossRoads.
Membership information collected October 5, 2026.