Credit union · NCUA insured
EFCU Auto Loan Rates
EFCU auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How EFCU’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where EFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
EFCU
5.24%APR
- Terms
- up to 60 months
New/Used Auto Purchase
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
EFCU auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where EFCU 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 Auto Purchase
Includes purchasing a new or used vehicle or using a free and clear title to finance a loan. Rate depends on credit score, credit history, term, LTV, year and type of vehicle. Must be 18 years of age. Membership at Electrical Credit Union required with minimum share/savings balance of $25.00. Save up to an additional 0.50% APR with Relationship Pricing.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.74% | — |
| up to 36 months | 4.24% | — |
| up to 48 months | 4.49% | — |
| up to 60 months | 5.24% | — |
| up to 72 months | 5.74% | — |
| up to 84 months | 6.49% | — |
New/Used Auto Refinance
Strictly for refinancing a new or used vehicle to EFCU from another financial institution. Rate depends on credit score, credit history, term, LTV, year and type of vehicle. Must be 18 years of age. Membership at Electrical Credit Union required with minimum share/savings balance of $25.00. Save up to an additional 0.50% APR with Relationship Pricing.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 2.74% | — |
| up to 36 months | 3.24% | — |
| up to 48 months | 3.49% | — |
| up to 60 months | 3.74% | With Relationship Pricing |
| up to 60 months | 4.24% | — |
| up to 72 months | 4.74% | — |
| up to 84 months | 5.49% | — |
Sources (3)
All captured Oct 7, 2026
Who can join EFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to individuals affiliated with specific partner companies or unions such as Local #577 Plasters and Cement Masons, AFSCME Colorado, or Eaton Metal Products.
- Eligibility is open to individuals affiliated with specified Colorado labor unions or any labor union affiliated with the Colorado AFL-CIO or the Denver Area Labor Federation.
Family and household
- Eligibility is open to family members of an EFCU member.
Cost to join
- A minimum share deposit of $25.00 is required for membership at the time of account opening.
Membership information collected October 4, 2026.