Credit union · NCUA insured
Elko Federal Credit Union Auto Loan Rates
Elko Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Elko Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Elko, NV, where Elko Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Elko Federal Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- 16.80% APR
New Auto – 2023 or Newer
Lowest rate
Greater Nevada Credit Union
4.50%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
OE Federal Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- —
Elko Federal Credit Union auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Elko 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 – 2023 or Newer
Finance up to 100% of purchase price. Terms up to 84 months. Rate is based on applicant credit score and term length.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.20%–15.80% | Rate varies by credit score (720+ to Under 579) |
| up to 36 months | 5.49%–16.30% | Rate varies by credit score (720+ to Under 579) |
| up to 48 months | 5.49%–16.55% | Rate varies by credit score (720+ to Under 579) |
| up to 60 months | 5.49%–16.80% | Rate varies by credit score (720+ to Under 579) |
| up to 72 months | 5.65%–12.25% | Rate varies by credit score (720+ to 600-639) |
| up to 84 months | 6.49%–7.49% | Rate varies by credit score (720+ to 680-719) |
Used Auto – 2016 to 2022
For vehicles up to five years old, finance up to 100% based on low book value. For vehicles older than five years, choose terms up to 72 months. Financing for classic vehicles is also available. Rate is based on applicant credit score and term length.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.70%–16.65% | Rate varies by credit score (720+ to Under 579) |
| up to 36 months | 5.99%–17.40% | Rate varies by credit score (720+ to Under 579) |
| up to 48 months | 5.99%–16.65% | Rate varies by credit score (720+ to 580-599) |
| up to 60 months | 5.99%–17.65% | Rate varies by credit score (720+ to 580-599) |
| up to 72 months | 6.15%–8.84% | Rate varies by credit score (720+ to 640-679) |
Who can join Elko Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, regularly conduct business, worship, or attend school in specified counties in Nevada or Idaho are eligible for membership.
Employers and groups
- Employees of Elko Federal Credit Union are eligible for membership.
Family and household
- Members of immediate families and households of eligible persons are eligible for membership.
- Spouses of persons who died while maintaining membership at Elko Federal Credit Union are eligible for membership.
Other ways
- Businesses and other legal entities located or headquartered in the specified Nevada and Idaho counties are eligible for membership.
- Organizations composed of eligible persons are eligible for membership.
1 more way to join
Other ways
- Volunteers in the community are eligible for membership.
Cost to join
- A one-time membership fee of $5.00 is required upon joining.
- A minimum deposit of $25.00 into a Share Savings Account is required to join.
Membership information collected October 4, 2026.