Credit union · NCUA insured
Impact Credit Union Auto Loan Rates
Impact Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Impact Credit Union’s auto loan rates compare
Compared with banks and credit unions near Findlay, OH, where Impact Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Impact Credit Union
4.99%APR
- Terms
- up to 72 months
Auto Loans
Lowest rate
Millstream Area Credit Union
4.50%APR
- Terms
- —
3rd-lowest rate
USX Federal Credit Union
5.09%APR
- Terms
- 49–60 months
Impact Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Impact 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.
Auto Loans
Loans subject to membership eligibility, credit approval and rate availability. Finance up to 100% of purchase.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | 2020 and Newer. |
Fall Auto Loan Special
Rates subject to membership eligibility. Loan rates, terms and conditions are subject to change and may vary based on creditworthiness, loan amount, term and collateral. New money only - existing Impact Credit Union Loans not eligible for refinance. Offer ends 10-31-2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Rate for vehicle years 2020 or newer and borrowers with 710 or above credit score. New or used vehicle buyers. No early payment penalties. |
Sources (1)
- impactcu.org/499_Fall_Loan_Special_429.html · captured Oct 6, 2026
Who can join Impact Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Sandusky, Seneca, Hancock, and Wood counties.
Membership information collected October 5, 2026.