Credit union · NCUA insured
Freedom Credit Union Auto Loan Rates
Top CarrotFreedom Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Freedom Credit Union’s auto loan rates compare
Compared with banks and credit unions near Provo, UT, where Freedom Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Freedom Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
CUP Federal Credit Union
4.74%APR
- Terms
- 36–60 months
- Discount
- None included
2nd-lowest rate
Canyon View Credit Union
4.74%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
Freedom Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Freedom 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
Flexible financing options for new, used, and recreational vehicles. Terms up to 84 months (limitations apply). Optional GAP and Mechanical Breakdown Protection.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.99% | Model year 2020 and Newer. 36k miles max. Approx payment $14.60 per $1,000. |
| up to 72 months | 5.24% | Model year 2020 and Newer. 60k miles max. Approx payment $16.33 per $1,000. |
| up to 60 months | 4.99% | Model year 2020 and Newer. 84k miles max. Approx payment $18.98 per $1,000. |
| up to 48 months | 4.99% | Model year 2020 and Newer. 120k miles max. Approx payment $23.14 per $1,000. |
| up to 36 months | 4.99% | Model year 2020 and Newer. Approx payment $30.08 per $1,000. |
| — | 5.99% | Model year 2019 – 2015. Refer to mileage guidelines above. Approx payment $30.42 per $1,000. |
| — | 6.99% | Model year 2014 and Older. Refer to mileage guidelines above. Approx payment $30.87 per $1,000. |
Sources (4)
- freedomcu.com/new-and-used-auto-loans
- freedomcu.com/auto-loans
- freedomcu.com/rates-test
- freedomcu.com/rates
All captured Oct 4, 2026
Who can join Freedom Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to all residents of Utah County.
Membership information collected October 4, 2026.