Credit union · NCUA insured
Desco Federal Credit Union Auto Loan Rates
Top CarrotDesco Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Desco Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Desco Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Desco Federal Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- None included
New Cars and Trucks
Lowest rate
Peoples Federal Credit Union
4.30%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
2nd-lowest rate
First Priority Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
Desco Federal Credit Union auto loan score
88
Auto loan score
Higher than 83% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Desco 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.
New Cars and Trucks
Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.64% | APR based off a $25,000.00 loan with a $150.00 loan origination fee. Rate as low as. |
| up to 48 months | 4.54% | APR based off a $25,000.00 loan with a $150.00 loan origination fee. Rate as low as. |
| up to 60 months | 4.74% | APR based off a $25,000.00 loan with a $150.00 loan origination fee. Rate as low as. |
| up to 72 months | 5.20% | APR based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.99% is $404.95 on a $25,000.00 loan with a 6-year term. Rate as low as. |
| up to 84 months | 6.18% | APR based off a $25,000.00 loan with a $150.00 loan origination fee. Rate as low as. |
Sources (1)
- descofcu.org/personal/current-rates · captured Oct 7, 2026
Used Cars and Trucks
Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.64% | APR based off a $25,000.00 loan with a $150.00 loan origination fee. Rate as low as. |
| up to 48 months | 4.54% | APR based off a $25,000.00 loan with a $150.00 loan origination fee. Rate as low as. |
| up to 60 months | 4.74% | APR based off a $25,000.00 loan with a $150.00 loan origination fee. Rate as low as. |
| up to 72 months | 5.20% | APR based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.99% is $404.95 on a $25,000.00 loan with a 6-year term. Rate as low as. |
| up to 84 months | 6.18% | APR based off a $25,000.00 loan with a $150.00 loan origination fee. Rate as low as. |
Sources (1)
- descofcu.org/personal/current-rates · captured Oct 7, 2026
Who can join Desco 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
- Persons who live, work (or regularly conduct business in), worship, or attend school in and businesses and other legal entities located in Adams, Gallia, Jackson, Lawrence, Pike, Ross and Scioto Counties, Ohio; Cabell, Mason, Putnam or Wayne Counties, West Virginia; Boyd, Carter, Greenup, Fleming, Lewis, Mason, and Rowan Counties, Kentucky are eligible for membership.
Employers and groups
- Employees of this credit union are eligible for membership.
Family and household
- Spouses of deceased members are eligible for membership.
- Members of immediate family or household of eligible persons are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Volunteers in the community are eligible for membership.
Membership information collected October 5, 2026.