Credit union · NCUA insured
Empeople Credit Union Auto Loan Rates
Top CarrotEmpeople Credit Union auto loans start at 4.74% APR for a new vehicle and 4.89% for a used one. Rates checked October 16, 2026.
How Empeople Credit Union’s auto loan rates compare
Compared with banks and credit unions near Waterloo, IA, where Empeople Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Empeople Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto/Motorcycle Loans
Lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Community Choice Credit Union
4.52%APR
- Terms
- 37–66 months
- Discount
- None included
Empeople Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Empeople 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/Motorcycle Loans
Model Year 2024 and Newer | New/Refinance. Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Minimum loan amount is $500. Automatic payment made electronically indicated; add 1% to rate when using non-electronic or non-automated payment methods.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.74% | 60 Month New Auto Loans. Model Year 2024 and Newer. New/Refinance. Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Requirements: 21+ debit or credit card transactions per month (transaction count is not a combination of debit and credit card transactions; debit posted within calendar month, credit posted between 27th of previous month and 26th of current month; excludes ATM/cash) and minimum of $1,500 in direct deposit(s) and/or mobile deposit within last 31 days into qualifying account; must maintain open consumer checking account within same membership. Electronic payment indicated; add 1% for non-electronic payment method. |
| up to 72 months | 4.99% | 72 Month New Auto Loans. Model Year 2024 and Newer. New/Refinance. Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Requirements: 21+ debit or credit card transactions per month (transaction count is not a combination of debit and credit card transactions; debit posted within calendar month, credit posted between 27th of previous month and 26th of current month; excludes ATM/cash) and minimum of $1,500 in direct deposit(s) and/or mobile deposit within last 31 days into qualifying account; must maintain open consumer checking account within same membership. Electronic payment indicated; add 1% for non-electronic payment method. |
Sources (1)
- empeople.com/tools-resources/rates · captured Oct 6, 2026
Payment Saver Auto Loan
Works like a lease with lower monthly payments; options at term end to refinance, sell, trade in, or return vehicle. Minimum loan amount is $500 ($15,000 for vehicles financed with 60 to 72 month loan terms). Automatic electronic payments assumed; add 1% for non-electronic payment methods. Rates listed are for autos two years old or newer (Model Year 2024 and newer).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | 60 Months term. Model year 2024 and newer (two years old or newer). Minimum loan amount $15,000 for 60 to 72 month terms. Automatic electronic payment assumed. |
| up to 72 months | 5.74% | 72 Months term. Model year 2024 and newer (two years old or newer). Minimum loan amount $15,000 for 60 to 72 month terms. Automatic electronic payment assumed. |
Used Auto/Motorcycle Loans
Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. Minimum loan amount is $500. Automatic payment made electronically indicated; add 1% to rate when using non-electronic or non-automated payment methods.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.89% | Used: 2022 - 2023 (60 Months). Rate includes All-In Member Pricing interest rate discount of up to 0.50% APR. Requirements: 21+ debit or credit card transactions per month (transaction count is not a combination of debit and credit card transactions; debit posted within calendar month, credit posted between 27th of previous month and 26th of current month; excludes ATM/cash) and minimum of $1,500 in direct deposit(s) and/or mobile deposit within last 31 days into qualifying account; must maintain open consumer checking account within same membership. Electronic payment indicated; add 1% for non-electronic payment method. |
| up to 72 months | 5.14% | Used: 2022 - 2023 (72 Months). Rate includes All-In Member Pricing interest rate discount of up to 0.50% APR. Requirements: 21+ debit or credit card transactions per month (transaction count is not a combination of debit and credit card transactions; debit posted within calendar month, credit posted between 27th of previous month and 26th of current month; excludes ATM/cash) and minimum of $1,500 in direct deposit(s) and/or mobile deposit within last 31 days into qualifying account; must maintain open consumer checking account within same membership. Electronic payment indicated; add 1% for non-electronic payment method. |
Sources (1)
- empeople.com/tools-resources/rates · captured Oct 6, 2026
Who can join Empeople Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of select employer groups and Deere dealerships throughout the country are eligible for membership.
Other ways
- Membership eligibility is available based on job, location, or family members.
Membership information collected October 5, 2026.