Credit union · NCUA insured
Highway Alliance Credit Union Auto Loan Rates
Highway Alliance Credit Union auto loans start at 5.00% for a used one. Rates checked October 16, 2026.
How Highway Alliance Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jefferson City, MO, where Highway Alliance Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Highway Alliance Credit Union
– –
- Terms
- —
- Up to
- —
- Discount
- —
No ongoing APR published
Lowest rate
United Credit Union
4.49%APR
- Terms
- —
- Up to
- 17.04% APR
- Discount
- Included in the rate
2nd-lowest rate
Conservation Employees Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Highway Alliance Credit Union auto loan score
78
Auto loan score
Higher than 46% of U.S. banks and credit unions
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Highway Alliance 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.
New:(Never titled)
Standard terms: 2025-2026 is 84 months (titled) or 72 months (non-titled). 0.25% will be added for every 3 months over standard term. 1% will be added if approved to borrow over the stated LTV and percentage allowed. Exceptions must be reviewed and approved by President. Must be 18 years or older.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75%–13.75% | Rating: A Paper (700+ credit score) to F Paper (Below 500 credit score). Maximum 110% of clean retail LTV for A/B Paper, 100% for C/D/E Paper, 90% for F Paper. Minimum 4.75% APR requires A Paper (700+ credit score). |
Used: 2003 and older
Standard term: 36 months (2016-older). 0.25% will be added for every 3 months over standard term. 1% will be added if approved to borrow over the stated LTV and percentage allowed. Exceptions must be reviewed and approved by President. Must be 18 years or older.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.00%–15.00% | Rating: A Paper (700+ credit score) to F Paper (Below 500 credit score). Maximum 110% of clean retail LTV for A/B Paper, 100% for C/D/E Paper, 90% for F Paper. Minimum 6.00% APR requires A Paper (700+ credit score). |
Used: 2004 - 2013
Standard term: 36 months (2016-older). 0.25% will be added for every 3 months over standard term. 1% will be added if approved to borrow over the stated LTV and percentage allowed. Exceptions must be reviewed and approved by President. Must be 18 years or older.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.75%–14.75% | Rating: A Paper (700+ credit score) to F Paper (Below 500 credit score). Maximum 110% of clean retail LTV for A/B Paper, 100% for C/D/E Paper, 90% for F Paper. Minimum 5.75% APR requires A Paper (700+ credit score). |
Used: 2014 - 2022
Standard terms: 2021-2022 is 60 months; 2017-2020 is 48 months; 2016-older is 36 months. 0.25% will be added for every 3 months over standard term. 1% will be added if approved to borrow over the stated LTV and percentage allowed. Exceptions must be reviewed and approved by President. Must be 18 years or older.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50%–14.50% | Rating: A Paper (700+ credit score) to F Paper (Below 500 credit score). Maximum 110% of clean retail LTV for A/B Paper, 100% for C/D/E Paper, 90% for F Paper. Minimum 5.50% APR requires A Paper (700+ credit score). |
Used: 2023 - 2026
Standard terms: 2025-2026 is 84 months (titled) or 72 months (non-titled); 2023-2024 is 72 months. 0.25% will be added for every 3 months over standard term. 1% will be added if approved to borrow over the stated LTV and percentage allowed. Exceptions must be reviewed and approved by President. Must be 18 years or older.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.00%–14.00% | Rating: A Paper (700+ credit score) to F Paper (Below 500 credit score). Maximum 110% of clean retail LTV for A/B Paper, 100% for C/D/E Paper, 90% for F Paper. Minimum 5.00% APR requires A Paper (700+ credit score). |
Who can join Highway Alliance Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Missouri State Troopers Association members and their family members are eligible for membership.
- Missouri Transportation Association members and their family members are eligible for membership.
Military, government and schools
- Missouri Department of Transportation Central District & Central Office employees and family members are eligible for membership.
- MoDOT and Patrol Employees Retirement System (MPERS) employees and family members are eligible for membership.
- Missouri State Highway Patrol GHQ, and Troops F & I employees and family members are eligible for membership.
Family and household
- Family members qualifying for membership include spouse, child, sibling, parent, grandparent, grandchild, aunt, uncle, niece, nephew, first cousin, legal guardian, and step, in-law, and adoptive relationships.
Cost to join
- Membership requires an initial share deposit of at least $25.00 into a new share account.
Membership information collected October 4, 2026.