Credit union · NCUA insured
Educational Community Alliance CU Auto Loan Rates
Educational Community Alliance CU auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Educational Community Alliance CU’s auto loan rates compare
Compared with banks and credit unions near Toledo, OH, where Educational Community Alliance CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Educational Community Alliance CU
5.49%APR
- Terms
- —
New/Used Vehicle Loan (Motorcycles and Mobility)
Lowest rate
Millstream Area Credit Union
4.50%APR
- Terms
- —
2nd-lowest rate
Cornerstone Community Financial Credit Union
4.69%APR
- Terms
- 40–64 months
Educational Community Alliance CU auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Educational Community Alliance CU 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/Used Vehicle Loan (Cars and Trucks)
Rates and repayment terms are based on credit score, individual credit history, and loan term under risk-based pricing. Membership eligibility is required.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Rate listed as 'as low as'. Actual rate and repayment terms depend on individual credit score, credit history, and loan term. |
Sources (3)
All captured Oct 7, 2026
New/Used Vehicle Loan (Motorcycles and Mobility)
Rates and repayment terms are based on credit score, individual credit history, and loan term under risk-based pricing. Membership eligibility is required.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Rate listed as 'as low as'. Actual rate and repayment terms depend on individual credit score, credit history, and loan term. |
Who can join Educational Community Alliance CU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Anyone employed in or retired from any position within the education industry in the Toledo and surrounding area is eligible for membership.
Family and household
- Immediate family members of an Educational Community Alliance Credit Union member are eligible for membership.
Cost to join
- A minimum opening deposit of $5.00 into a new share savings account is required upon joining.
Membership information collected October 5, 2026.