Credit union · NCUA insured
Emporia State Federal Credit Union Auto Loan Rates
Emporia State Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Emporia State Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Emporia, KS, where Emporia State Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Emporia State Federal Credit Union
4.99%APR
- Terms
- up to 60 months
Consumer Loans - Vehicles (Cars, Trucks, Motorcycles with perfected lien)
Lowest rate
CU of Emporia
4.50%APR
- Terms
- up to 60 months
3rd-lowest rate
Equity Bank
6.76%APR
- Terms
- up to 60 months
Emporia State Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Emporia State 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.
Consumer Loans - Vehicles (Cars, Trucks, Motorcycles with perfected lien)
All rates apply to new money only. Rates listed are the best qualifying rates and depend on credit qualifications and approval; subject to change without notice. Requires perfected lien. Defer first payment for up to 90 days (or more) depending upon circumstances.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | 2023 - 2027 Models. Payment/$1,000 is $24. |
| up to 60 months | 4.99% | 2023 - 2027 Models. Payment/$1,000 is $19. |
| up to 72 months | 5.49% | 2023 - 2027 Models. Payment/$1,000 is $17. |
| up to 84 months | 6.49% | 2023 - 2027 Models (over $40,000 list). Payment/$1,000 is $15. |
| up to 36 months | 5.99% | 2019 - 2022 Models. Payment/$1,000 is $31. |
| up to 48 months | 6.25% | 2019 - 2022 Models. Payment/$1,000 is $24. |
| up to 60 months | 6.99% | 2019 - 2022 Models. Payment/$1,000 is $20. |
| up to 36 months | 8.50% | 2018 Models and Older. Payment/$1,000 is $32. |
| up to 48 months | 8.75% | 2018 Models and Older. Payment/$1,000 is $25. |
Sources (3)
All captured Oct 16, 2026
Who can join Emporia State Federal Credit Union
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