Credit union · NCUA insured
CU of Emporia Auto Loan Rates
CU of Emporia auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How CU of Emporia’s auto loan rates compare
Compared with banks and credit unions near Emporia, KS, where CU of Emporia has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CU of Emporia
4.50%APR
- Terms
- up to 60 months
Automobiles & Motorcycles, 2022 and newer & under 60k miles
2nd-lowest rate
Emporia State Federal Credit Union
4.99%APR
- Terms
- up to 60 months
3rd-lowest rate
Equity Bank
6.76%APR
- Terms
- up to 60 months
CU of Emporia auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CU of Emporia 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.
Automobiles & Motorcycles, 2017-2021 or over 60k miles
A Share Savings account is required in order to be eligible for loans. Rate based on creditworthiness, specific dollar amounts, and term of loan. Rates may have additional adjustments for higher mileage, and older year models are also available. Up to 110% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | Up to 48 months; 2017-2021 or over 60k miles. |
| up to 60 months | 5.50% | Up to 60 months; 2017-2021 or over 60k miles. |
| up to 72 months | 6.00% | Up to 72 months; $25,000 minimum value; 2017-2021 or over 60k miles. |
Automobiles & Motorcycles, 2022 and newer & under 60k miles
A Share Savings account is required in order to be eligible for loans. Rate based on creditworthiness, specific dollar amounts, and term of loan. Up to 110% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50% | Up to 60 months; 2022 and newer & under 60k miles. |
| up to 72 months | 4.75% | Up to 72 months; $25,000 minimum value; 2022 and newer & under 60k miles. |
| up to 84 months | 6.25% | Up to 84 months; $35,000 minimum value; 2022 and newer & under 60k miles. |
Who can join CU of Emporia
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to those living, working, or worshiping in Chase, Coffey, Greenwood, Lyon, Morris, Osage, and Wabaunsee Counties.
Employers and groups
- Open to employees working for a member company.
Family and household
- Open to individuals who have an immediate family member with an account at the credit union.
Cost to join
- A $25 deposit is required to establish a membership account.
Membership information collected October 4, 2026.