Credit union · NCUA insured
Electric Cooperatives FCU Auto Loan Rates
Electric Cooperatives FCU auto loans start at 4.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Electric Cooperatives FCU’s auto loan rates compare
Compared with banks and credit unions near Little Rock, AR, where Electric Cooperatives FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Electric Cooperatives FCU
4.50%APR
- Terms
- —
- Up to
- 16.25% APR
- Discount
- None included
New and Used Auto Loans
Lowest rate
Telcoe Federal Credit Union
3.74%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
Electric Cooperatives FCU auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Electric Cooperatives FCU 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.
2025 Auto Special
Loan special available April 18 – July 31, 2025. Membership eligibility required. Interest rate determined by credit qualifications and vehicle make and model. Offer good for new and used autos, ATVs, and boats not currently financed with ECFCU.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 4.99% | Floor rate applies to terms of 36 to 72 months. Minimum loan amount $7,500. |
Sources (1)
- electriccoopfcu.org/autospecial2025 · captured Sep 24, 2026
New and Used Auto Loans
| Terms | APR | Conditions |
|---|---|---|
| — | 4.50%–16.25% | New Auto |
| — | 5.50%–16.25% | Used Auto |
Sources (1)
- electriccoopfcu.org/loans-rates · captured Oct 7, 2026
Who can join Electric Cooperatives FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the credit union are eligible for membership.
- Employees or directors of rural electric cooperatives within the State of Arkansas, Southwest Power Pool, Today’s Power, Inc., or ERMCO (a wholly-owned subsidiary located in Dyersburg, TN) are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
Family and household
- Members of the immediate families of qualifying persons are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Other ways
- Organizations of eligible individuals are eligible for membership.
Membership information collected October 4, 2026.