Credit union · NCUA insured
Day Air Credit Union Auto Loan Rates
Day Air Credit Union auto loans start at 5.15% APR for a new vehicle and 5.15% for a used one. Rates checked October 16, 2026.
How Day Air Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dayton, OH, where Day Air Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Day Air Credit Union
5.15%APR
- Terms
- —
- Up to
- —
Auto Loans
Lowest rate
Universal 1 Credit Union
4.54%APR
- Terms
- up to 63 months
- Up to
- 14.06% APR
2nd-lowest rate
Wright-Patt Credit Union
4.99%APR
- Terms
- up to 63 months
- Up to
- 15.44% APR
Day Air Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew5.15%
- Used vehicleUsed5.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Day Air 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
All loans subject to credit approval and underwriting requirements. Finance up to 110% of vehicle value. No application fees and no prepayment penalties. Loan Benefit Club offers 0.25% loan benefit credit with debit card, minimum $500 monthly ACH deposit, and e-statements enrollment.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.15% | Model years 2023 and newer. Fixed APR as low as rate. Rates may change based on loan term and credit score. Processing fee applies and will increase the Annual Percentage Rate. |
| — | 5.65% | Model years 2022 and older. Fixed APR as low as rate. Rates may change based on loan term and credit score. Processing fee applies and will increase the Annual Percentage Rate. |
Sources (1)
- dayair.org/auto-loans · captured Oct 7, 2026
Auto Refinance
Refinancing car loan to Day Air Credit Union. All loans subject to underwriting and credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.15% | Model years 2023 and newer. Fixed APR as low as rate. Rates may change based on loan term and credit score. Processing fee applies and will increase the Annual Percentage Rate. |
| — | 5.65% | Model years 2022 and older. Fixed APR as low as rate. Rates may change based on loan term and credit score. Processing fee applies and will increase the Annual Percentage Rate. |
Sources (1)
- dayair.org/auto-loans/refinance-your-car · captured Oct 7, 2026
Who can join Day Air 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 persons who live, regularly work, worship, or attend school in the Miami Valley / Dayton region of Southwest Ohio (Montgomery, Greene, Warren, Miami, Butler, Champaign, Clark, Preble, and Darke Counties).
Employers and groups
- Employees of Day Air Credit Union are eligible for membership.
Military, government and schools
- University of Dayton students, alumni, faculty and staff are eligible for membership.
- Employees of the VA Medical Center are eligible for membership.
Family and household
- Family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, step-siblings, and adoptive relationships) of existing members are eligible for membership.
Membership information collected October 5, 2026.