Credit union · NCUA insured
Encompass Credit Union Auto Loan Rates
Encompass Credit Union auto loans start at 6.75% APR for a new vehicle and 6.75% for a used one. Rates checked October 15, 2026.
How Encompass Credit Union’s auto loan rates compare
Compared with banks and credit unions near Frankfort, IN, where Encompass Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Encompass Credit Union
6.75%APR
- Terms
- 36–72 months
Auto Loan
Lowest rate
Industrial Federal Credit Union
5.74%APR
- Terms
- 61–72 months
2nd-lowest rate
First Merchants Bank
6.49%APR
- Terms
- up to 60 months
Encompass Credit Union auto loan score
62
Auto loan score
Higher than 7% of U.S. banks and credit unions
- New vehicleNew6.75%
- Used vehicleUsed6.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Encompass 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.
Auto Loan
Available for new and used vehicles, for purchase or refinance. Financing is subject to credit approval and rate is based on creditworthiness and term of loan. Up to 100% financing available for qualified borrowers. Requires membership and maintaining a regular savings account ($5 minimum balance). Available to individuals who live, work, worship, or attend school in Howard, Tipton, or Clinton County, Indiana, and their eligible family members.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 6.75% | Rate is advertised as low as 6.75% APR. Rate based on creditworthiness and term of loan. Up to 100% financing available for qualified borrowers. Regular savings account required. |
Who can join Encompass Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who lives, works, attends school, or worships in Tipton, Clinton, or Howard County, Indiana.
Employers and groups
- Any business or organization in Tipton, Clinton, or Howard County, Indiana is eligible for membership, and employees of eligible businesses are also eligible.
Family and household
- Spouses, children, and parents of eligible persons are eligible for membership.
Other ways
- Members retain eligibility and benefits even if they move away.
Cost to join
- To become a member, opening a savings account with a minimum deposit of $5 is required.
Membership information collected October 5, 2026.