Credit union · NCUA insured
Hoosier United Credit Union Auto Loan Rates
Hoosier United Credit Union auto loans start at 4.75% APR for a new vehicle and 5.50% for a used one. Rates checked October 15, 2026.
How Hoosier United Credit Union’s auto loan rates compare
Compared with banks and credit unions near Indianapolis, IN, where Hoosier United Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hoosier United Credit Union
4.75%APR
- Terms
- up to 84 months
- Up to
- —
New Auto Loan
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
Hoosier United Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hoosier United 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 Loan
To qualify as New: vehicle should be manufactured in current year or prior 2 years & under 30,000 miles (or next model year). Up to 110% sticker financing. Pre-Approvals good for 30 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75% | Rate quoted is limited to A+ credit tiers only at 48 month financing; higher rates may apply based on credit worthiness and based on term selection and amount financed compared to equity. 72 month financing limited to current and previous 9 model years over $10,000 financing; 84 month financing limited to current and previous 5 model years over $30,000 financing. |
Sources (2)
All captured Oct 7, 2026
New Motorcycle Loan
Up to 110% Sticker price or NADA retail value pricing or Sticker. Pre-Approvals good for 30 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75% | Rate quoted is limited to A+ credit tiers only at 48 month financing; higher rates may apply based on credit worthiness and based on term selection and amount financed compared to equity. 72 month financing limited to current and previous 9 model years over $10,000 financing; 84 month financing limited to current and previous 5 model years over $30,000 financing. |
Sources (2)
All captured Oct 7, 2026
Used Auto Loan
Up to 110% NADA retail value financing. Pre-Approvals good for 30 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.50% | Applies to model years 2021 - 2025. Quoted rates limited to A+ credit tiers only at 48 month financing; higher rates may apply based on credit worthiness, term selection, and amount financed compared to equity. 72 month financing limited to current and previous 9 model years over $10,000 financing; 84 month financing limited to current and previous 5 model years over $30,000 financing. |
| up to 72 months | 5.75% | Applies to model years 2017 - 2020. Quoted rates limited to A+ credit tiers only at 48 month financing; higher rates may apply based on credit worthiness, term selection, and amount financed compared to equity. 72 month financing limited to current and previous 9 model years over $10,000 financing. |
| up to 60 months | 6.75% | Applies to model years 2014 - 2016. Quoted rates limited to A+ credit tiers only at 48 month financing; higher rates may apply based on credit worthiness, term selection, and amount financed compared to equity. 60 month maximum term on 2014-2016. |
| up to 48 months | 10.50% | Applies to model years 2013 and older. Quoted rates limited to A+ credit tiers only at 48 month financing; higher rates may apply based on credit worthiness, term selection, and amount financed compared to equity. 48 month maximum term on 2013 and older. |
Sources (2)
All captured Oct 7, 2026
Used Motorcycle Loan
Up to 110% Sticker price or NADA retail value pricing or Sticker. Pre-Approvals good for 30 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.50% | Applies to model years 2021 - 2025. Quoted rates limited to A+ credit tiers only at 48 month financing; higher rates may apply based on credit worthiness, term selection, and amount financed compared to equity. 72 month financing limited to current and previous 9 model years over $10,000 financing; 84 month financing limited to current and previous 5 model years over $30,000 financing. |
| up to 72 months | 5.75% | Applies to model years 2017 - 2020. Quoted rates limited to A+ credit tiers only at 48 month financing; higher rates may apply based on credit worthiness, term selection, and amount financed compared to equity. 72 month financing limited to current and previous 9 model years over $10,000 financing. |
| up to 60 months | 6.75% | Applies to model years 2014 - 2016. Quoted rates limited to A+ credit tiers only at 48 month financing; higher rates may apply based on credit worthiness, term selection, and amount financed compared to equity. 60 month maximum term on 2014-2016. |
| up to 48 months | 10.50% | Applies to model years 2013 and older. Quoted rates limited to A+ credit tiers only at 48 month financing; higher rates may apply based on credit worthiness, term selection, and amount financed compared to equity. 48 month maximum term on 2013 and older. |
Sources (2)
All captured Oct 7, 2026
Who can join Hoosier United Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone who joins the Cooperative Financial Association (CFA) by paying a $5 membership fee.
Employers and groups
- Membership is open to employees, members, and family members of Ag One Co-Op.
- Membership is open to employees, members, and family members of Balkamp.
- Membership is open to employees, members, and family members of Brehob Electric.
- Membership is open to employees, members, and family members of CountryMark.
- Membership is open to employees, members, and family members of Cranfill Advertising.
9 more ways to join
Employers and groups
- Membership is open to employees, members, and family members of Daniels Associates.
- Membership is open to employees, members, and family members of Flint Group.
- Membership is open to employees, members, and family members of Hoosier United Credit Union.
- Membership is open to Local IBEW 481 contractors, members, employees, and family members.
- Membership is open to employees, members, and family members of employees or members of Indiana Farm Bureau, Incorporated.
- Membership is open to employees, members, and family members of employees or members of Indiana Farm Bureau Insurance Company.
- Membership is open to employees, members, and family members of Maplehurst Bakery.
- Membership is open to SMART Local 20 contractors, members, employees, and family members.
Family and household
- Membership is open to family members or friends of an existing HUCU Member.
Cost to join
- A $5 membership fee to participate in Cooperative Financial Association (CFA) qualifies an applicant for membership.
Membership information collected October 5, 2026.