Credit union · NCUA insured
ElecTel Cooperative Federal Credit Union Auto Loan Rates
Top CarrotElecTel Cooperative Federal Credit Union auto loans start at 3.65% APR for a new vehicle and 4.40% for a used one. Rates checked October 22, 2026.
How ElecTel Cooperative Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Raleigh, NC, where ElecTel Cooperative Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ElecTel Cooperative Federal Credit Union
3.65%APR
- Terms
- up to 84 months
New Auto Loan
Lowest rate
Welcome Federal Credit Union
3.50%APR
- Terms
- 60–84 months
3rd-lowest rate
RTP Federal Credit Union
3.99%APR
- Terms
- up to 60 months
ElecTel Cooperative Federal Credit Union auto loan score
96
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.65%
- Used vehicleUsed4.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ElecTel Cooperative 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 Auto Loan
Up to 120% financing. Terms up to 84 months. Same low rates for new and used models (rate determined by term). Loan pre-approvals good for 30 days. Primary risk score based on FICO score.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.65% | Rate determined by term; up to 120% financing; terms up to 84 months. |
Sources (2)
All captured Oct 7, 2026
Used Auto Loan
Up to 120% financing. Terms up to 84 months. Same low rates for new and used models (rate determined by term). Loan pre-approvals good for 30 days. Primary risk score based on FICO score.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.40% | Rate determined by term; up to 120% financing; terms up to 84 months. |
Sources (2)
All captured Oct 7, 2026
Who can join ElecTel Cooperative Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, officers, and directors of specified electric and telephone cooperatives in North Carolina and Virginia are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) of employees, officers, and directors of specified cooperatives are eligible for membership.
- Members of the immediate family or household of consumers/members of specified cooperatives are eligible for membership.
Other ways
- Consumers and members of specified electric and telephone cooperatives are eligible for membership.
Membership information collected October 4, 2026.