Credit union · NCUA insured
Four Points Federal Credit Union Auto Loan Rates
Four Points Federal Credit Union auto loans start at 6.00% APR for a new vehicle and 6.00% for a used one. Rates checked October 22, 2026.
How Four Points Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Four Points Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Four Points Federal Credit Union
6.00%APR
- Terms
- up to 60 months
Auto Secured
Lowest rate
Kellogg Credit Union
3.24%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Four Points Federal Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew6.00%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Four Points 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 Secured
Subject to credit approval. Rates based on creditworthiness. Maximum Auto Secured mileage is 150,000 miles and model years 2017 to New. Vehicles exceeding mileage or older are priced at personal loan rates. 0.25% APR discount for Auto Pay and 0.25% APR discount for Relationship (other active Four Points FCU loans) available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.00% | Vehicle Age: 2025 to New |
| 61–72 months | 6.50% | Vehicle Age: 2025 to New |
| 73–84 months | 7.00% | Vehicle Age: 2025 to New |
| up to 60 months | 6.50% | Vehicle Age: 2023 to 2024 |
| 61–72 months | 7.00% | Vehicle Age: 2023 to 2024 |
| 73–84 months | 7.50% | Vehicle Age: 2023 to 2024 |
| up to 60 months | 7.25% | Vehicle Age: 2021 to 2022 |
| 61–72 months | 7.75% | Vehicle Age: 2021 to 2022 |
| 73–84 months | 8.25% | Vehicle Age: 2021 to 2022 |
| up to 60 months | 8.25% | Vehicle Age: 2017 to 2020 |
| 61–72 months | 8.75% | Vehicle Age: 2017 to 2020 |
Sources (1)
- fourpointsfcu.org/auto-loans · captured Oct 7, 2026
Who can join Four Points Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Consumers and residents anywhere in the United States can join through partnership with the American Consumer Council.
- Employees of Select Employee Groups can join Four Points Federal Credit Union.
Family and household
- Immediate family members (including spouses, children, siblings, parents, grandparents, and grandchildren) of employees of Select Employee Groups are eligible for membership.
Membership information collected October 4, 2026.