Credit union · NCUA insured
Fort Community Credit Union Auto Loan Rates
Top CarrotFort Community Credit Union auto loans start at 5.24% APR for a new vehicle and 5.34% for a used one. Rates checked October 16, 2026.
How Fort Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Watertown, WI, where Fort Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Fort Community Credit Union
5.24%APR
- Terms
- up to 60 months
New Auto
Lowest rate
Avestar CU
5.00%APR
- Terms
- 37–60 months
3rd-lowest rate
Landmark Credit Union
5.84%APR
- Terms
- up to 63 months
Fort Community Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Fort Community 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 (2020 and older)
Secured auto loan using vehicle as collateral. Vehicle title kept by FCCU until paid off. Full coverage auto insurance required with deductible $2,000 or less and FCCU listed as lienholder.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.40% | Monthly payment is $30.06 per $1,000; model years 2020 and older |
| up to 48 months | 6.45% | Monthly payment is $23.69 per $1,000; model years 2020 and older |
| up to 60 months | 6.50% | Monthly payment is $19.57 per $1,000; model years 2020 and older |
| up to 72 months | 7.30% | Monthly payment is $17.19 per $1,000; model years 2020 and older |
| up to 75 months | 7.30% | Monthly payment is $16.65 per $1,000; model years 2020 and older |
Sources (2)
All captured Oct 5, 2026
Auto Loans (2021-2026)
Secured auto loan using vehicle as collateral. Vehicle title kept by FCCU until paid off. Full coverage auto insurance required with deductible $2,000 or less and FCCU listed as lienholder.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.83% | Monthly payment is $30.34 per $1,000; model years 2021-2026 |
| up to 48 months | 5.87% | Monthly payment is $23.43 per $1,000; model years 2021-2026 |
| up to 60 months | 5.95% | Monthly payment is $19.13 per $1,000; model years 2021-2026 |
| up to 72 months | 6.20% | Monthly payment is $16.67 per $1,000; model years 2021-2026 |
| up to 75 months | 6.20% | Monthly payment is $16.12 per $1,000; model years 2021-2026 |
| up to 84 months | 7.20% | Monthly payment is $15.19 per $1,000; model years 2021-2026 |
Sources (2)
All captured Oct 5, 2026
New Auto
Secured auto loan using vehicle as collateral. Vehicle title kept by FCCU until paid off. Full coverage auto insurance required with deductible $2,000 or less and FCCU listed as lienholder.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Monthly payment is $29.97 per $1,000 |
| up to 48 months | 5.19% | Monthly payment is $23.12 per $1,000 |
| up to 60 months | 5.24% | Monthly payment is $18.98 per $1,000 |
| up to 72 months | 5.74% | Monthly payment is $16.45 per $1,000 |
| up to 75 months | 5.74% | Monthly payment is $15.90 per $1,000 |
| up to 84 months | 6.54% | Monthly payment is $14.87 per $1,000 |
Sources (2)
All captured Sep 18, 2026
Used Auto
Secured auto loan using vehicle as collateral. Vehicle title kept by FCCU until paid off. Full coverage auto insurance required with deductible $2,000 or less and FCCU listed as lienholder.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.19% | Model years 2021-2025; monthly payment is $30.06 per $1,000 |
| up to 48 months | 5.24% | Model years 2021-2025; monthly payment is $23.14 per $1,000 |
| up to 60 months | 5.34% | Model years 2021-2025; monthly payment is $19.03 per $1,000 |
| up to 75 months | 5.94% | Model years 2020-2024; monthly payment is $15.99 per $1,000 |
| up to 36 months | 5.59% | Model years 2020 & older; monthly payment is $30.24 per $1,000 |
| up to 48 months | 5.59% | Model years 2020 & older; monthly payment is $23.30 per $1,000 |
| up to 60 months | 6.28% | Model years 2020 & older; monthly payment is $19.46 per $1,000 |
Sources (2)
All captured Sep 18, 2026
Who can join Fort Community 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 anyone living or working in Dane, Dodge, Jefferson, Rock, Walworth, and Waukesha counties.
Membership information collected October 5, 2026.