Credit union · NCUA insured
Interfaith Federal Credit Union Auto Loan Rates
Interfaith Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Interfaith Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Interfaith Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Interfaith Federal Credit Union
4.50%APR
- Terms
- 36–84 months
- Discount
- Included in the rate
New Autos, SUVs, Trucks, Vans
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Interfaith Federal Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.50%
- 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 Interfaith 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.
Fresh Start Auto Loan Program
For members with limited or challenged credit purchasing new or used vehicles (model years 2017 to 2026). Loan amounts from $5,000 to $35,000 up to 100% of Kelley Blue Book value. Terms up to 72 months (3-6 years). All credit score ranges eligible. Requires eligible income, at least one year of employment, automatic payment, and an iLocate payment reminder device with GPS.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 16.00% | Initial rate for months 1-12 is 16% fixed APR (published as low as 16.00% APR). Automatic payment and iLocate device required. |
| 36–72 months | 15.00% | Rate reduces by 1% to 15% fixed APR after 12 months of on-time payments (applicable for months 13-24). |
| 36–72 months | 14.00% | Rate reduces by an additional 1% to 14% fixed APR after 24 months of on-time payments (applicable for months 25+). |
Sources (3)
All captured Sep 16, 2026
New Autos, SUVs, Trucks, Vans
Final rate is based on credit worthiness and term of the loan. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Lowest rates includes discounts available of 0.25% for automatic payment and 0.25% for direct deposit into Interfaith FCU checking account.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 4.50% | Rate is as low as 4.50% APR for terms of 3 to 7 years (36-84 months). Rate based on creditworthiness and loan term. Lowest rates includes discounts available of 0.25% for automatic payment and 0.25% for direct deposit into an IFCU checking account. |
Used Autos, SUVs, Trucks, Vans
Final rate is based on credit worthiness and term of the loan. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Lowest rates includes discounts available of 0.25% for automatic payment and 0.25% for direct deposit into Interfaith FCU checking account.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 4.99% | Rate is as low as 4.99% APR for terms of 3 to 7 years (36-84 months). Rate based on creditworthiness and loan term. Lowest rates includes discounts available of 0.25% for automatic payment and 0.25% for direct deposit into an IFCU checking account. |
Who can join Interfaith Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Affiliates and employees of Cokesbury stores within the boundaries of the served Conferences are eligible for membership.
- Churches, clergy, staff, laity, and congregations of specified United Methodist conferences, Episcopal dioceses, and UCC foundation are eligible for membership.
Military, government and schools
- Employees and students of The School of Theology at Claremont are eligible for membership.
Family and household
- Anyone related to an Interfaith FCU member by blood, marriage, or adoption is eligible for membership.
Cost to join
- There is a one-time membership fee of $5.00.
Membership information collected October 5, 2026.