Credit union · Privately insured
Emerald Credit Union Auto Loan Rates
Emerald Credit Union auto loans start at 4.29% APR for a new vehicle and 5.14% for a used one. Rates checked October 16, 2026.
How Emerald Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cleveland, OH, where Emerald Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Emerald Credit Union
4.29%APR
- Terms
- —
- Up to
- —
New Auto Loan
Lowest rate
Steel Valley Federal Credit Union
3.99%APR
- Terms
- —
- Up to
- 10.99% APR
2nd-lowest rate
Lakeview Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
Emerald Credit Union auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.29%
- Used vehicleUsed5.14%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Emerald 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
Rates are based on evaluation of credit history, score, loan term, collateral, and other factors. Rates do not include loan processing fee ($160 standard fee, waived during Fall Auto Loan Promotion). Membership required (Share Savings Account with minimum $5.00 deposit).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.29% | Up to 36 Months term. APR as low as. |
| 37–48 months | 4.54% | 37-48 Months term. APR as low as. |
| 49–60 months | 4.54% | 49-60 Months term. APR as low as. |
| 61–72 months | 4.54% | 61-72 Months term. APR as low as. |
| 73–78 months | 5.04% | 73-78 Months term. APR as low as. |
| — | 4.29% | Fall Auto Loan Promotion: 90 days no payments / deferred payment, $160 standard processing fee waived. Existing Emerald Credit Union auto loans are not eligible for refinance under this promotion. |
Sources (3)
- emeraldgcu.com/Promotions/auto-promotion
- emeraldgcu.com/loans/rates
- emeraldgcu.com/loans/vehicle-loans
All captured Oct 16, 2026
New Motorcycle/RV Loan
Rates are based on evaluation of credit history, score, and term. Rates do not include loan processing fee. Membership required (Share Savings Account with minimum $5.00 deposit). Skip-A-Pay eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.24% | Up to 36 Months term. APR as low as. |
| 37–48 months | 7.49% | 37-48 Months term. APR as low as. |
| 49–60 months | 7.74% | 49-60 Months term. APR as low as. |
| 61–72 months | 8.24% | 61-72 Months term. APR as low as. |
Used Auto Loan
Rates are based on evaluation of credit history, score, loan term, collateral, and other factors. Rates do not include loan processing fee ($160 standard fee, waived during Fall Auto Loan Promotion). Membership required (Share Savings Account with minimum $5.00 deposit).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.14% | Up to 36 Months term. APR as low as. |
| 37–48 months | 5.14% | 37-48 Months term. APR as low as. |
| 49–60 months | 5.14% | 49-60 Months term. APR as low as. |
| 61–72 months | 5.39% | 61-72 Months term. APR as low as. |
| — | 5.14% | Fall Auto Loan Promotion: 90 days no payments / deferred payment, $160 standard processing fee waived. Existing Emerald Credit Union auto loans are not eligible for refinance under this promotion. |
Sources (3)
- emeraldgcu.com/Promotions/auto-promotion
- emeraldgcu.com/loans/rates
- emeraldgcu.com/loans/vehicle-loans
All captured Oct 16, 2026
Used Motorcycle/RV Loan
Rates are based on evaluation of credit history, score, and term. Rates do not include loan processing fee. Membership required (Share Savings Account with minimum $5.00 deposit). Skip-A-Pay eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.99% | Up to 36 Months term. APR as low as. |
| 37–48 months | 8.24% | 37-48 Months term. APR as low as. |
| 49–60 months | 8.49% | 49-60 Months term. APR as low as. |
| 61–72 months | 8.99% | 61-72 Months term. APR as low as. |
Who can join Emerald Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.