Credit union · NCUA insured
Huntington C&O Railway EFCU Auto Loan Rates
Huntington C&O Railway EFCU auto loans start at 5.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Huntington C&O Railway EFCU’s auto loan rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Huntington C&O Railway EFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Huntington C&O Railway EFCU
5.75%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto Loans
Lowest rate
Peoples Federal Credit Union
4.30%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
2nd-lowest rate
First Priority Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
Huntington C&O Railway EFCU auto loan score
68
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Huntington C&O Railway EFCU 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 Loans
All loans are considered on an individual basis. Rates and terms may vary based upon individual credit worthiness. All rates and terms are subject to change without advance notice. Terms ranging from 3 to 6 years.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | 2026 New Auto. Rates and terms may vary based upon individual credit worthiness. |
| up to 60 months | 5.75% | 2026 New Auto. Rates and terms may vary based upon individual credit worthiness. |
| up to 48 months | 4.75% | 2026 New Auto. Rates and terms may vary based upon individual credit worthiness. |
Used Auto Loans
All loans are considered on an individual basis. Rates and terms may vary based upon individual credit worthiness. All rates and terms are subject to change without advance notice. Includes CarFax Vehicle History Report with every used car financed.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | 2024-2026 Used Auto. Rates and terms may vary based upon individual credit worthiness. |
| up to 60 months | 5.75% | 2021-2023 Used Auto. Rates and terms may vary based upon individual credit worthiness. |
| up to 48 months | 4.75% | 2019-2020 Used Auto. Rates and terms may vary based upon individual credit worthiness. |
| up to 36 months | 5.75% | 2014-2018 Used Auto. Rates and terms may vary based upon individual credit worthiness. |
Who can join Huntington C&O Railway EFCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.