Credit union · NCUA insured
Hometown Federal Credit Union Auto Loan Rates
Hometown Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.95% for a used one. Rates checked October 15, 2026.
How Hometown Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Peru, IN, where Hometown Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hometown Federal Credit Union
5.00%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
New Auto/Truck/Van
2nd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
3rd-lowest rate
First Merchants Bank
6.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Hometown Federal Credit Union auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hometown 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.
New Auto/Truck/Van
Base rates; actual rate may be higher depending on credit score, term, and risk-based lending policy. 2022 model year.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.00% | Maximum term 72 months. Rates posted are base rates and may be higher depending on credit score and term. |
Sources (1)
- hometownfcu.org/loan-rates · captured Oct 5, 2026
New Motorcycle
Base rates; actual rate may be higher depending on credit score, term, and risk-based lending policy.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.00% | Maximum term 72 months. Rates posted are base rates and may be higher depending on credit score and term. |
Sources (1)
- hometownfcu.org/loan-rates · captured Oct 5, 2026
Used Auto/Truck/Van
Base rates; actual rate may be higher depending on credit score, term, and risk-based lending policy.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.95% | Model years 2020-2025. Maximum term 60 months. |
| up to 60 months | 7.00% | Model years 2015-2019. Maximum term 60 months. |
| up to 48 months | 9.00% | Model years 2007-2014. Maximum term 48 months. |
| up to 36 months | 10.75% | Model years 2000-2006. Maximum term 36 months. |
| up to 24 months | 12.50% | Model years 1999 & older. Maximum term 24 months. |
Sources (1)
- hometownfcu.org/loan-rates · captured Oct 5, 2026
Used Motorcycle
Base rates; actual rate may be higher depending on credit score, term, and risk-based lending policy.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.50% | Model years 2018-2025. Maximum term 60 months. |
| up to 48 months | 8.75% | Model years 2017 & older. Maximum term 48 months. |
Sources (1)
- hometownfcu.org/loan-rates · captured Oct 5, 2026
Who can join Hometown Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in, and businesses and other legal entities located in, Miami County, Indiana (except persons eligible for primary membership in an occupational credit union maintaining its principal office in Miami County, Indiana) are eligible for membership.
Employers and groups
- Employees of Hometown Federal Credit Union are eligible for membership.
- Persons retired as pensioners or annuitants from employment with the credit union are eligible for membership.
Family and household
- Immediate family members of eligible persons and organizations of such persons are eligible for membership.
Other ways
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Membership information collected October 5, 2026.