Credit union · NCUA insured
Idaho United Credit Union Auto Loan Rates
Idaho United Credit Union auto loans start at 5.99% APR for a new vehicle and 7.50% for a used one. Rates checked October 22, 2026.
How Idaho United Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boise City, ID, where Idaho United Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Idaho United Credit Union
5.99%APR
- Terms
- up to 60 months
- Up to
- 15.50% APR
Auto Loan
Lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
- Up to
- —
2nd-lowest rate
First Tech Federal Credit Union
4.99%APR
- Terms
- up to 65 months
- Up to
- —
Idaho United Credit Union auto loan score
64
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed7.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Idaho 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.
Antique & Classic Vehicles
On Approved Credit (OAC). In order to provide the best possible mix of rates for borrowers, our loan rates are subject to change at any time. Current loan rates are within the ranges shown. Adjustments within the ranges are based on factors such as credit worthiness, account relationships, loan types and loan to value ratios.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.50%–22.50% | On Approved Credit (OAC). Adjustments within the ranges are based on factors such as credit worthiness, account relationships, loan types and loan to value ratios. |
Sources (1)
- idahounited.org/loan-rates · captured Oct 15, 2026
Auto Loan
Idaho United offers a wide variety of auto loans including auto equity loans for new, used, and classic cars and trucks. Collateral Age Adjustments: Add 1% for every 8 years. Adjustments within the ranges are based on factors such as credit worthiness, account relationships, loan types and loan to value ratios.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.25%–12.99% | Tier A+ (Score 740+) to Tier E (Score <550). Maximum LTV 80% to 115% NADA including TTL + Adds. LTV adjustments: Over 106% add .25% to .75%, over 100% add .75%, over 80% add .75%, over 70% add .75%. Collateral Age Adjustments: Add 1% for every 8 years. |
| up to 36 months | 5.50%–14.50% | Tier A+ (Score 740+) to Tier E (Score <550). Maximum LTV 80% to 115% NADA including TTL + Adds. LTV adjustments apply. Collateral Age Adjustments: Add 1% for every 8 years. |
| up to 48 months | 5.75%–14.99% | Tier A+ (Score 740+) to Tier E (Score <550). Maximum LTV 80% to 115% NADA including TTL + Adds. LTV adjustments apply. Collateral Age Adjustments: Add 1% for every 8 years. |
| up to 60 months | 5.99%–15.50% | Tier A+ (Score 740+) to Tier E (Score <550). Maximum LTV 80% to 115% NADA including TTL + Adds. LTV adjustments apply. Collateral Age Adjustments: Add 1% for every 8 years. |
| up to 72 months | 6.25%–15.99% | Tier A+ (Score 740+) to Tier E (Score <550). Maximum LTV 80% to 115% NADA including TTL + Adds. LTV adjustments apply. Collateral Age Adjustments: Add 1% for every 8 years. |
| up to 84 months | 6.50%–15.25% | Tier A+ (Score 740+) to Tier D (Score 629-550). $16,000 minimum loan amount. Maximum LTV 90% to 115% NADA including TTL + Adds. LTV adjustments apply. Collateral Age Adjustments: Add 1% for every 8 years. |
Who can join Idaho United Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.