Credit union · NCUA insured
Electrical Workers #22 Federal Credit Union Auto Loan Rates
Electrical Workers #22 Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Electrical Workers #22 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Electrical Workers #22 Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Electrical Workers #22 Federal Credit Union
5.25%APR
- Terms
- up to 60 months
- Up to
- 15.25% APR
New Vehicles
Lowest rate
Kellogg Credit Union
3.24%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
Electrical Workers #22 Federal Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.25%
- 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 Electrical Workers #22 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 Vehicles
Model years 2026-2022. Membership minimum balance of $25 required. Vehicles with 100,000+ in mileage add 1.00% to rate. Electrical Workers #22 Federal Credit Union does not loan on salvaged titles. Rates subject to change without notice and with approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00%–15.00% | Credit tiers A+ (750 & Up) through E (599 or BELOW). Model years 2026-2022. Title/Ins security. For vehicles with 100,000+ mileage add 1%. |
| up to 60 months | 5.25%–15.25% | Credit tiers A+ (750 & Up) through E (599 or BELOW). Model years 2026-2022. Title/Ins security. For vehicles with 100,000+ mileage add 1%. |
| up to 72 months | 5.50%–15.50% | Credit tiers A+ (750 & Up) through E (599 or BELOW). Model years 2026-2022. Title/Ins security. For vehicles with 100,000+ mileage add 1%. |
| up to 84 months | 5.75%–15.75% | Credit tiers A+ (750 & Up) through E (599 or BELOW). Model years 2026-2022. Title/Ins security. For vehicles with 100,000+ mileage add 1%. |
Sources (1)
- ew22fcu.org/84-month-auto-loans-2 · captured Oct 5, 2026
Used Vehicles
Model years 2021-2019 & 2018 & Older. Membership minimum balance of $25 required. Vehicles with 100,000+ in mileage add 1.00% to rate. Electrical Workers #22 Federal Credit Union does not loan on salvaged titles. Rates subject to change without notice and with approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.25%–16.00% | Credit tiers A+ (750 & Up) through E (599 or BELOW). Model years 2021-2019. Title/Ins security. For vehicles with 100,000+ mileage add 1%. |
| up to 60 months | 5.50%–16.25% | Credit tiers A+ (750 & Up) through E (599 or BELOW). Model years 2021-2019. Title/Ins security. For vehicles with 100,000+ mileage add 1%. |
| up to 72 months | 5.75%–16.50% | Credit tiers A+ (750 & Up) through E (599 or BELOW). Model years 2021-2019. Title/Ins security. For vehicles with 100,000+ mileage add 1%. |
| up to 48 months | 7.00%–17.00% | Credit tiers A+ (750 & Up) through E (599 or BELOW). Model years 2018 & Older. Title/Ins security. For vehicles with 100,000+ mileage add 1%. |
| up to 60 months | 7.50%–17.50% | Credit tiers A+ (750 & Up) through E (599 or BELOW). Model years 2018 & Older. Title/Ins security. For vehicles with 100,000+ mileage add 1%. |
Sources (1)
- ew22fcu.org/84-month-auto-loans-2 · captured Oct 5, 2026
Who can join Electrical Workers #22 Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of Local #22.
Family and household
- Membership is open to family members of Local #22 members.
Cost to join
- Joining requires signing a membership card and depositing $25.00 into a savings account.
Membership information collected October 4, 2026.