Credit union · NCUA insured
Educational Community Credit Union Auto Loan Rates
Educational Community Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Educational Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Springfield, MO, where Educational Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Educational Community Credit Union
4.99%APR
- Terms
- —
- Discount
- None included
Auto Loans
Lowest rate
Multi-States Credit Union
3.49%APR
- Terms
- up to 84 months
- Discount
- None included
2nd-lowest rate
America's Credit Union
4.40%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Educational Community Credit Union auto loan score
83
Auto loan score
Higher than 62% 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 Educational Community 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
Rates are based on credit history, loan term, vehicle type (new or used), and amount financed. Up to 100% of NADA retail value plus warranty, GAP, and sales tax based on credit. Discounts may be available: Preferred Member Discount (.25% discount with 5+ years ECCU membership, 3 months checking in good standing, 3 months Visa credit card in good standing, or 1+ years IRA) and Primary Financial Institution Discount (.25% discount with Direct Deposit/Automatic Payments, Estatements/Email Address, Online/mobile banking, or Visa credit card).
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Homepage advertised 'As low as' auto loan rate. |
| up to 36 months | 5.24%–15.49% | Rate range across Level 1 (730+) through Level 6 (550-599). Lowest rate requires best credit. Heading applies to New & Used. |
| up to 48 months | 5.24%–15.49% | Rate range across Level 1 (730+) through Level 6 (550-599). Lowest rate requires best credit. Heading applies to New & Used. |
| up to 60 months | 5.49%–15.74% | Rate range across Level 1 (730+) through Level 6 (550-599). Lowest rate requires best credit. Heading applies to New & Used. |
| up to 72 months | 5.74%–13.74% | Rate range across Level 1 (730+) through Level 5 (550-599). Lowest rate requires best credit. Level 6 is N/A. Heading applies to New & Used. |
| up to 84 months | 6.24%–11.24% | Rate range across Level 1 (730+) through Level 4 (600-639). Lowest rate requires best credit. Level 5 and 6 are N/A. Heading applies to New & Used. |
Sources (4)
All captured Oct 16, 2026
Who can join Educational Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Educational alumni residing within the specified 23 Missouri counties are eligible for membership.
- Employees of any educational institution or public library located within Barry, Barton, Cedar, Christian, Dade, Dallas, Douglas, Greene, Howell, Jasper, Laclede, Lawrence, McDonald, Newton, Oregon, Ozark, Polk, Shannon, Stone, Taney, Texas, Vernon, Webster, or Wright County are eligible for membership.
- Educationally-sponsored or affiliated organizations of public or private schools (elementary, secondary, or higher education) located within the specified 23 Missouri counties are eligible for membership.
- Retired faculty members of public or private schools (elementary, secondary, or higher education) residing within the specified 23 Missouri counties are eligible for membership.
- Students or alumni of any educational institution located within the specified 23 Missouri counties are eligible for membership.
Family and household
- Family members of anyone eligible to join ECCU are eligible for membership, regardless of whether the eligible person is an existing member.
Cost to join
- Membership requires establishing and maintaining a minimum $25 deposit/balance in a share (savings) account.
Membership information collected October 4, 2026.