Credit union · NCUA insured
Foothills Credit Union Auto Loan Rates
Foothills Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Foothills Credit Union’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where Foothills Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Foothills Credit Union
5.49%APR
- Terms
- up to 84 months
New Auto Loan
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
Foothills Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Foothills 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 Refinance Special Offer
Offer valid 7/06/26 - 7/31/26; all applications must be closed by 8/31/26. Available for external auto loan refinances and new money only; internal refinances not eligible. Requires minimum credit score of 680+, minimum 6 auto payment history, vehicle age maximum 8 years old, CLTV <= 125%. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.99% | For qualified borrowers with credit score 680+. Refinance and new money only. Vehicle must be 8 model years old or newer. |
| up to 72 months | 5.24% | For qualified borrowers with credit score 680+. Refinance and new money only. Vehicle must be 8 model years old or newer. |
| up to 84 months | 5.74% | For qualified borrowers with credit score 680+. Refinance and new money only. Vehicle must be 8 model years old or newer. |
Sources (1)
- foothills-cu.com/auto-loan-refi-special · captured Oct 15, 2026
It’s All Good Youth Auto Program
Must be 18–24 years old, first-time auto buyer, minimum 6 months employment history with same employer (proof of payroll required), minimum 6 months existing membership at Foothills CU or add qualified member with established membership as co-signer. Maximum loan $30,000, debt ratio <= 100% (rate add-ons may apply if over 100%), maximum LTV <= 110%.
| Terms | APR | Conditions |
|---|---|---|
| — | 9.03% | Must meet Youth Auto Program eligibility criteria. |
Sources (1)
- foothills-cu.com/loans/vehicle…-good-youth-auto-program · captured Oct 15, 2026
New Auto Loan
Financing up to 110% loan-to-value of vehicle. Rate may be higher depending on credit history and underwriting criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.49% | — |
New Motorcycle Loan
Financing up to 110% loan-to-value of vehicle. 10% down required for lowest rate. Rate may be higher depending on credit history and underwriting criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.49% | 10% down is required for lowest rate. Lowest rate is 7.49 - 7.99%. |
Used Auto Loan
Financing up to 110% loan-to-value of vehicle. Rate may be higher depending on credit history and underwriting criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.49% | — |
Used Motorcycle Loan
Financing up to 110% loan-to-value of vehicle. 10% down required for lowest rate. Rate may be higher depending on credit history and underwriting criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.49% | 10% down is required for lowest rate. Lowest rate is 7.49 - 7.99%. |
Who can join Foothills Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Jefferson County or Larimer County, Colorado is eligible to join.
Employers and groups
- Employees and their family members of over 50 sponsoring employee groups are eligible to join.
Family and household
- Family members of an existing member—including spouse, significant other, son, daughter, grandchild, grandparent, parent, sibling, aunt, uncle, niece, nephew, cousin, or relative-in-law—are eligible for membership.
Cost to join
- A minimum deposit of $25.00 to a Share Savings Account is required to open and continue membership.
Membership information collected October 4, 2026.