Credit union · NCUA insured
Highway Crossroads Credit Union Auto Loan Rates
Highway Crossroads Credit Union auto loans start at 5.29% APR for a new vehicle and 5.29% for a used one. Rates checked October 16, 2026.
How Highway Crossroads Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sikeston, MO, where Highway Crossroads Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Highway Crossroads Credit Union
5.29%APR
- Terms
- up to 72 months
Vehicle Loans
2nd-lowest rate
Montgomery Bank
7.22%APR
- Terms
- —
Highway Crossroads Credit Union auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Highway Crossroads 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.
Vehicle Loans
Rates based on credit score tiers and vehicle model year ranges. Rate additions apply: +1.00% if payment is not set up as automatic withdrawal, +1.00% for existing Highway Crossroads loans refinanced, +1.00% per 12 month term extension (as allowed), +1.00% for extending LTV to 110%. Collateral secured rate deductions: -0.10% with GAP purchase, -0.10% for active Highway Hero Contributors, -0.50% with active direct deposit, -0.10% with Credit Life or Disability Life Insurance election, -0.10% for Military Discount (active or veteran). Recreational Vehicle Loans receive +1.50% adjustment.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.29% | Credit Score 750+ (A+); Model Years 2026-2025; Max Term 72 months |
| up to 60 months | 5.79% | Credit Score 750+ (A+); Model Years 2024-2022; Max Term 60 months |
| up to 54 months | 6.29% | Credit Score 750+ (A+); Model Years 2021-2019; Max Term 54 months |
| up to 48 months | 6.49% | Credit Score 750+ (A+); Model Years 2018-2016; Max Term 48 months |
| up to 36 months | 7.54% | Credit Score 750+ (A+); Model Years 2015 & Older; Max Term 36 months |
| up to 72 months | 6.04% | Credit Score 701-749 (A); Model Years 2026-2025; Max Term 72 months |
| up to 60 months | 6.54% | Credit Score 701-749 (A); Model Years 2024-2022; Max Term 60 months |
| up to 54 months | 7.04% | Credit Score 701-749 (A); Model Years 2021-2019; Max Term 54 months |
| up to 48 months | 7.54% | Credit Score 701-749 (A); Model Years 2018-2016; Max Term 48 months |
| up to 36 months | 8.29% | Credit Score 701-749 (A); Model Years 2015 & Older; Max Term 36 months |
| up to 72 months | 6.79% | Credit Score 651-700 (B); Model Years 2026-2025; Max Term 72 months |
| up to 60 months | 7.29% | Credit Score 651-700 (B); Model Years 2024-2022; Max Term 60 months |
| up to 54 months | 7.79% | Credit Score 651-700 (B); Model Years 2021-2019; Max Term 54 months |
| up to 48 months | 8.29% | Credit Score 651-700 (B); Model Years 2018-2016; Max Term 48 months |
| up to 36 months | 9.04% | Credit Score 651-700 (B); Model Years 2015 & Older; Max Term 36 months |
| up to 72 months | 8.49% | Credit Score 600-650 (C); Model Years 2026-2025; Max Term 72 months |
| up to 60 months | 8.99% | Credit Score 600-650 (C); Model Years 2024-2022; Max Term 60 months |
| up to 54 months | 9.49% | Credit Score 600-650 (C); Model Years 2021-2019; Max Term 54 months |
| up to 48 months | 9.99% | Credit Score 600-650 (C); Model Years 2018-2016; Max Term 48 months |
| up to 36 months | 10.74% | Credit Score 600-650 (C); Model Years 2015 & Older; Max Term 36 months |
| up to 72 months | 13.49% | Credit Score 551-599 (D); Model Years 2026-2025; Max Term 72 months |
| up to 60 months | 13.99% | Credit Score 551-599 (D); Model Years 2024-2022; Max Term 60 months |
| up to 54 months | 14.49% | Credit Score 551-599 (D); Model Years 2021-2019; Max Term 54 months |
| up to 48 months | 14.99% | Credit Score 551-599 (D); Model Years 2018-2016; Max Term 48 months |
| up to 36 months | 15.74% | Credit Score 551-599 (D); Model Years 2015 & Older; Max Term 36 months |
| up to 72 months | 15.49% | Credit Score 550 & Below (E); Model Years 2026-2025; Max Term 72 months |
| up to 60 months | 15.99% | Credit Score 550 & Below (E); Model Years 2024-2022; Max Term 60 months |
| up to 54 months | 16.49% | Credit Score 550 & Below (E); Model Years 2021-2019; Max Term 54 months |
| up to 48 months | 16.99% | Credit Score 550 & Below (E); Model Years 2018-2016; Max Term 48 months |
| up to 36 months | 17.74% | Credit Score 550 & Below (E); Model Years 2015 & Older; Max Term 36 months |
Sources (2)
All captured Oct 7, 2026
Who can join Highway Crossroads Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Cape Girardeau, New Madrid, Mississippi, Scott, or Stoddard County in Missouri are eligible for membership.
Military, government and schools
- Employees and retirees of the Missouri Department of Transportation (Southeast District) and the Missouri State Highway Patrol (Troop E) are eligible to join.
Family and household
- Family members of any existing credit union member are eligible for membership.
Cost to join
- Membership requires opening a Share (Savings) Account with a $30.00 deposit and maintaining a $30.00 minimum balance.
Membership information collected October 4, 2026.