Credit union · NCUA insured
DCU Auto Loan Rates
DCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 25, 2026.
How DCU’s auto loan rates compare
Compared with banks and credit unions nationwide. New vehicle, lowest advertised APR first.
This credit union’s lowest
DCU
4.99%APR
- Terms
- up to 65 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
- Discount
- None included
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
DCU auto loan score
73
Auto loan score
Higher than 35% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where DCU 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 listed for new or used cars, trucks, and vans. Up to 130% LTV, subject to DCU's underwriting criteria. Collateral subject to review; DCU does not finance vehicles that are or have been a Lemon Law Buyback and/or Salvage title vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Up to 36 Months. Rates are determined by personal credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (excluding HSA Checking Accounts) and pay your loan electronically (Social Security is exempt from minimum). Rate is subject to change after consummation. EMP is $29.97 per $1,000. |
| up to 48 months | 4.99% | Up to 48 Months. Rates are determined by personal credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (excluding HSA Checking Accounts) and pay your loan electronically (Social Security is exempt from minimum). Rate is subject to change after consummation. EMP is $23.02 per $1,000. |
| up to 65 months | 4.99% | Up to 65 Months. Rates are determined by personal credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (excluding HSA Checking Accounts) and pay your loan electronically (Social Security is exempt from minimum). Rate is subject to change after consummation. EMP is $17.59 per $1,000. |
| up to 72 months | 5.49% | Up to 72 Months. Rates are determined by personal credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (excluding HSA Checking Accounts) and pay your loan electronically (Social Security is exempt from minimum). Rate is subject to change after consummation. EMP is $16.33 per $1,000. |
| up to 84 months | 6.99% | Up to 84 Months. Rates are determined by personal credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (excluding HSA Checking Accounts) and pay your loan electronically (Social Security is exempt from minimum). Rate is subject to change after consummation. EMP is $15.09 per $1,000. |
Sources (2)
All captured Oct 25, 2026
Auto Refinancing
Rates listed for new or used vehicles. Get up to 130% LTV (loan-to-value), subject to DCU's underwriting criteria. Option to take advantage of no payments for the first 60 days after loan closing. Collateral subject to review; DCU does not finance vehicles that are or have been a Lemon Law Buyback and/or Salvage title vehicle. There are no fees to refinance an existing DCU loan or a loan with another financial institution.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Up to 36 Months. Rates are determined by personal credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (excluding HSA Checking Accounts) and pay your loan electronically (Social Security is exempt from minimum). Rate is subject to change after consummation. EMP is $29.97 per $1,000. |
| up to 48 months | 4.99% | Up to 48 Months. Rates are determined by personal credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (excluding HSA Checking Accounts) and pay your loan electronically (Social Security is exempt from minimum). Rate is subject to change after consummation. EMP is $23.02 per $1,000. |
| up to 65 months | 4.99% | Up to 65 Months. Rates are determined by personal credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (excluding HSA Checking Accounts) and pay your loan electronically (Social Security is exempt from minimum). Rate is subject to change after consummation. EMP is $17.59 per $1,000. |
| up to 72 months | 5.49% | Up to 72 Months. Rates are determined by personal credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (excluding HSA Checking Accounts) and pay your loan electronically (Social Security is exempt from minimum). Rate is subject to change after consummation. EMP is $16.33 per $1,000. |
| up to 84 months | 6.99% | Up to 84 Months. Rates are determined by personal credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (excluding HSA Checking Accounts) and pay your loan electronically (Social Security is exempt from minimum). Rate is subject to change after consummation. EMP is $15.09 per $1,000. |
Sources (2)
All captured Oct 25, 2026
Classic and Antique Auto Loans
Designed for classic, antique, replica, and completed kit cars. Certain classic and antique vehicles require an appraisal to determine value and may have loan-to-value restrictions (borrow up to 90% of appraised value; qualified borrowers can borrow up to 7 years). Collateral subject to review; DCU does not finance vehicles that are or have been a Lemon Law Buyback and/or Salvage title vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.24% | Up to 36 Months. Rates determined by credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount for adding and maintaining direct deposit of at least $500/month to checking (excluding HSA) and paying loan electronically. EMP is $31.45 per $1,000. |
| up to 48 months | 8.24% | Up to 48 Months. Rates determined by credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount for adding and maintaining direct deposit of at least $500/month to checking (excluding HSA) and paying loan electronically. EMP is $24.53 per $1,000. |
| up to 65 months | 8.24% | Up to 65 Months. Rates determined by credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount for adding and maintaining direct deposit of at least $500/month to checking (excluding HSA) and paying loan electronically. EMP is $19.12 per $1,000. |
| up to 72 months | 9.24% | Up to 72 Months. Rates determined by credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount for adding and maintaining direct deposit of at least $500/month to checking (excluding HSA) and paying loan electronically. EMP is $18.14 per $1,000. |
| up to 84 months | 10.74% | Up to 84 Months. Rates determined by credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount for adding and maintaining direct deposit of at least $500/month to checking (excluding HSA) and paying loan electronically. EMP is $16.99 per $1,000. |
Sources (2)
All captured Oct 25, 2026
Mobility Vehicle Loans
For new or used vehicles and vehicle modifications to aid people with disabilities. Borrow up to 125% LTV, subject to DCU's underwriting criteria. Collateral subject to review; DCU does not finance vehicles that are or have been a Lemon Law Buyback and/or Salvage title vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.24% | Up to 36 Months. Rates determined by credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount for adding and maintaining direct deposit of at least $500/month to checking (excluding HSA) and paying loan electronically. EMP is $31.45 per $1,000. |
| up to 48 months | 8.24% | Up to 48 Months. Rates determined by credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount for adding and maintaining direct deposit of at least $500/month to checking (excluding HSA) and paying loan electronically. EMP is $24.53 per $1,000. |
| up to 65 months | 8.24% | Up to 65 Months. Rates determined by credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount for adding and maintaining direct deposit of at least $500/month to checking (excluding HSA) and paying loan electronically. EMP is $19.12 per $1,000. |
| up to 72 months | 9.24% | Up to 72 Months. Rates determined by credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount for adding and maintaining direct deposit of at least $500/month to checking (excluding HSA) and paying loan electronically. EMP is $18.14 per $1,000. |
| up to 84 months | 10.74% | Up to 84 Months. Rates determined by credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount for adding and maintaining direct deposit of at least $500/month to checking (excluding HSA) and paying loan electronically. EMP is $16.99 per $1,000. |
| up to 120 months | 10.74% | Up to 120 Months. Rates determined by credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount for adding and maintaining direct deposit of at least $500/month to checking (excluding HSA) and paying loan electronically. EMP is $13.63 per $1,000. |
Sources (2)
All captured Oct 25, 2026
Motorcycle Loans
Finance or refinance new or used street bikes at the same rates. Up to 125% LTV, subject to DCU's underwriting criteria.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.25% | As low as advertised rate. Includes 0.50% discount for Plus and Relationship members with electronic payments. Rate subject to change after consummation. |
Sources (2)
All captured Oct 25, 2026
Who can join DCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.