Credit union · NCUA insured
Evansville Federal Credit Union Auto Loan Rates
Top CarrotEvansville Federal Credit Union auto loans start at 4.65% APR for a new vehicle and 4.65% for a used one. Rates checked October 15, 2026.
How Evansville Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Evansville, IN, where Evansville Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Evansville Federal Credit Union
4.65%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loans
Lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
3rd-lowest rate
Sterling United FCU
4.90%APR
- Terms
- up to 60 months
- Up to
- —
Evansville Federal Credit Union auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.65%
- Used vehicleUsed4.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Evansville 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.
Auto Loans
Subject to credit approval. EFCU charges a $95 Processing Fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.65% | Model Year: 2026-2024. Payment Example: $18.72 per $1,000 Borrowed. |
| up to 66 months | 4.80% | Model Year: 2026-2024. Payment Example: $17.28 per $1,000 Borrowed. |
| up to 72 months | 5.20% | Model Year: 2026-2024. Amount: Over $20,000. Payment Example: $16.20 per $1,000 Borrowed. |
| up to 84 months | 6.00% | Model Year: 2026-2024. Amount: Over $25,000. Payment Example: $14.62 per $1,000 Borrowed. |
| up to 60 months | 5.00% | Model Year: 2023-2022. Payment Example: $18.88 per $1,000 Borrowed. |
| up to 66 months | 5.35% | Model Year: 2023-2022. Payment Example: $17.53 per $1,000 Borrowed. |
| up to 72 months | 5.45% | Model Year: 2023-2022. Amount: Over $20,000. Payment Example: $16.32 per $1,000 Borrowed. |
| up to 60 months | 6.00% | Model Year: 2021-2020. Payment Example: $19.69 per $1,000 Borrowed. |
| up to 66 months | 6.25% | Model Year: 2021-2020. Payment Example: $17.95 per $1,000 Borrowed. |
| up to 72 months | 6.50% | Model Year: 2021-2020. Amount: Over $20,000. Payment Example: $16.82 per $1,000 Borrowed. |
| up to 60 months | 8.00% | Model Year: 2019 and older. Payment Example: $20.28 per $1,000 Borrowed. |
Sources (2)
All captured Oct 5, 2026
Motorcycle & ATV Loans
The annual percentage rates (APR) may be as low as the percentage indicated and subject to loan approval. EFCU charges a $95 Processing Fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.00% | Model Year: 2026-2024. Payment Example: $20.29 per $1,000 Borrowed. |
| up to 66 months | 8.00% | Model Year: 2026-2024. Amount: Over $5000. Payment Example: $18.79 per $1,000 Borrowed. |
| up to 72 months | 8.50% | Model Year: 2026-2024. Amount: Over $10,000. Payment Example: $17.79 per $1,000 Borrowed. |
| up to 60 months | 8.75% | Model Year: 2023-2022. Payment Example: $20.64 per $1,000 Borrowed. |
| up to 66 months | 9.25% | Model Year: 2023-2022. Amount: Over $5,000. Payment Example: $19.39 per $1,000 Borrowed. |
| up to 72 months | 10.00% | Model Year: 2023-2022. Amount: Over $10,000. Payment Example: $18.54 per $1,000 Borrowed. |
| up to 60 months | 9.50% | Model Year: 2021-2020. Payment Example: $21.01 per $1,000 Borrowed. |
| up to 60 months | 10.25% | Model Year: 2019 & Older. Payment Example: $21.38 per $1,000 Borrowed. |
Sources (1)
- evansvillefcu.org/home/lending/rates · captured Oct 5, 2026
Who can join Evansville 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
- Membership is open to persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in, Vanderburgh County (IN), Posey County (IN), Gibson County (IN), Warrick County (IN), or Henderson County (KY).
Family and household
- Membership is open to members of the immediate family or household of an existing member or existing member of a qualifying community.
- Membership is open to spouses of persons who died while within the field of membership of this credit union.
Other ways
- Membership is open to persons who were members of this credit union as of April 19, 2002.
- Membership is open to individuals who volunteer in the community.
Cost to join
- A $5 minimum balance in a savings (share) account is required for membership and voting privileges.
Membership information collected October 5, 2026.