Credit union · NCUA insured
Financial Plus Credit Union Auto Loan Rates
Top CarrotFinancial Plus Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Financial Plus Credit Union’s auto loan rates compare
Compared with banks and credit unions near Des Moines, IA, where Financial Plus Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Financial Plus Credit Union
4.74%APR
- Terms
- up to 66 months
Auto Loans
Lowest rate
Midland Credit Union
4.10%APR
- Terms
- —
2nd-lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
Financial Plus Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Financial Plus 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
Borrow up to 100% of the purchase price on new or used vehicles. Repayment term for up to 84 months for new and 72 months for used. No prepayment penalties. APR based on product, term and credit. All auto loans 2011 and older are financed at the personal loan rates. Promotion valid on NEW auto loans to FPCU only.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | 2022 Model Years & Newer |
| up to 66 months | 4.74% | 2022 Model Years & Newer |
| up to 78 months | 4.99% | 2022 Model Years & Newer |
| up to 84 months | 5.24% | 2022 Model Years & Newer |
| up to 48 months | 5.49% | 2018 - 2021 Model Years |
| up to 60 months | 5.74% | 2018 - 2021 Model Years |
| up to 72 months | 5.99% | 2018 - 2021 Model Years |
| up to 48 months | 5.99% | 2014 - 2017 Model Year |
| up to 60 months | 6.24% | 2014 - 2017 Model Year |
| up to 72 months | 6.49% | 2014 - 2017 Model Year |
Sources (1)
- financialpluscu.com/borrow/vehicle-loans/auto-loans · captured Oct 7, 2026
Who can join Financial Plus 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This may be incomplete or out of date, so check with the credit union before you apply.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 community members who work or reside in specified Iowa counties (Polk, Story, Jasper, Marion, Warren, Madison, Dallas, Boone, Hamilton, Hardin, Marshall, Poweshiek, Mahaska, Monroe, Lucas, Clarke, Union, Adair, Guthrie, Greene, Webster, Tama, Wright, Franklin, Grundy, Black Hawk, Benton, Iowa, Keokuk, Wapello, Appanoose, Wayne, Decatur, Ringgold, Adams, Cass, Audubon, Carroll, Calhoun, Pocahontas, and Humboldt).
Employers and groups
- Membership is open to employees of select employee groups.
Family and household
- Membership is open to family members of primary Financial Plus Credit Union members.
Other ways
- Membership qualification applies to businesses or organizations located in one of the 41 member counties.
Cost to join
- Opening an account requires a $25 opening deposit.
Membership information collected October 4, 2026.