Credit union · NCUA insured
Educators CU Auto Loan Rates
Top CarrotEducators CU auto loans start at 4.80% APR for a new vehicle and 4.85% for a used one. Rates checked October 16, 2026.
How Educators CU’s auto loan rates compare
Compared with banks and credit unions near Milwaukee, WI, where Educators CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Educators CU
4.80%APR
- Terms
- 36–84 months
- Discount
- None included
New Auto: 2025-2027
Lowest rate
Governmental Employees Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Educators CU auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.80%
- Used vehicleUsed4.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Educators 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 Auto: 2025-2027
Membership eligibility required (live or work in select WI/IL counties). No Money Down required, subject to credit approval; other out-of-pocket fees such as taxes and registration may apply, and a down payment may be required if requested loan amount exceeds collateral value. Rate discount available with uChoose Rewards points.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 4.80% | Rates as low as 4.80% APR for model years 2025-2027. Term choices of 36, 48, 60, 72, and 84 months. No money down required subject to credit approval and collateral value. Rate discount with uChoose Rewards points. |
Sources (1)
- ecu.com/car-buying-services/auto-loans · captured Oct 5, 2026
Older Auto: 2011 - 2016
Membership eligibility required (live or work in select WI/IL counties). No Money Down required, subject to credit approval; other out-of-pocket fees such as taxes and registration may apply, and a down payment may be required if requested loan amount exceeds collateral value. Liability insurance required for older vehicle loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.69% | Rates as low as 10.69% APR for model years 2011-2016. Terms up to 36 months. No money down required subject to credit approval and collateral value. Liability insurance required. |
Sources (1)
- ecu.com/car-buying-services/auto-loans · captured Oct 5, 2026
Used Auto: 2017 - 2024
Membership eligibility required (live or work in select WI/IL counties). No Money Down required, subject to credit approval; other out-of-pocket fees such as taxes and registration may apply, and a down payment may be required if requested loan amount exceeds collateral value. Rate discount available with uChoose Rewards points.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 4.85% | Rates as low as 4.85% APR for model years 2017-2024. Flexible repayment options of 36, 48, 60, 72, and 84 months. No money down required subject to credit approval and collateral value. Rate discount with uChoose Rewards points. |
Sources (1)
- ecu.com/car-buying-services/auto-loans · captured Oct 5, 2026
Who can join Educators CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to those who live or work in the Wisconsin counties of Dane, Green, Jefferson, Kenosha, Milwaukee, Ozaukee, Racine, Rock, Walworth, Washington, or Waukesha.
- Membership is available to those who live or work in the Illinois counties of Lake, Boone, McHenry, or Winnebago.
Cost to join
- A $5 refundable share deposit into a Prime Share Savings account is required to become a member-owner.
Membership information collected October 5, 2026.