Credit union · NCUA insured
Haynes Community FCU Auto Loan Rates
Top CarrotHaynes Community FCU auto loans start at 3.85% APR for a new vehicle and 3.89% for a used one. Rates checked October 15, 2026.
How Haynes Community FCU’s auto loan rates compare
Compared with banks and credit unions near Kokomo, IN, where Haynes Community FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Haynes Community FCU
3.85%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
2nd-lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Discount
- None included
3rd-lowest rate
Indiana Heartland FCU
4.69%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Haynes Community FCU auto loan score
96
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.85%
- Used vehicleUsed3.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Haynes Community FCU 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
Credit union members only. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.85% | New vehicle loan. |
| up to 48 months | 3.85% | New vehicle loan. |
| up to 60 months | 3.85% | New vehicle loan. |
| up to 72 months | 4.25% | New vehicle loan. |
| up to 84 months | 5.05% | New vehicle loan. |
| up to 60 months | 3.89% | Used vehicle loan (2023 & Newer). |
| up to 72 months | 4.29% | Used vehicle loan (2023 & Newer). |
| up to 48 months | 5.60% | Used vehicle loan (2020 - 2022). |
| up to 60 months | 5.69% | Used vehicle loan (2020 - 2022). |
| up to 72 months | 6.09% | Used vehicle loan (2020 - 2022). |
| up to 48 months | 7.90% | Used vehicle loan (2010 - 2019). |
| up to 60 months | 8.00% | Used vehicle loan (2010 - 2019). |
Motorcycle Loans
Credit union members only. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.50% | New motorcycle loan. |
| up to 72 months | 7.00% | New motorcycle loan. |
| up to 84 months | 7.50% | New motorcycle loan. |
| up to 60 months | 7.75% | Used motorcycle loan (2017 & Newer). |
Sources (1)
- haynesfcu.org/loan-rates · captured Oct 5, 2026
Who can join Haynes Community FCU
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 individuals who live, work, worship, or attend school in Howard County.
- Membership is open to individuals who live, work, worship, or attend school in Tipton County.
Family and household
- Membership is open to family members of existing Haynes Community members.
Membership information collected October 5, 2026.