Credit union · NCUA insured
InTouch Credit Union Auto Loan Rates
InTouch Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How InTouch Credit Union’s auto loan rates compare
Compared with banks and credit unions near Las Vegas, NV, where InTouch Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
InTouch Credit Union
5.49%APR
- Terms
- up to 75 months
New Auto Loan
Lowest rate
Create Credit Union
4.24%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
InTouch Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where InTouch 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 Loan Refinance
No application fee or penalty for early payoff. Existing ITCU vehicle loans can be refinanced by adding 0.50% (50 basis points) to the approved loan rate. Allows no payments for up to 60 days.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | New Cars as low as 5.49% APR. Subject to credit approval. |
| — | 8.24% | Used Cars (80,000 to 130,000 Miles) as low as 8.24% APR. Subject to credit approval. |
Sources (2)
All captured Oct 16, 2026
Motorcycle Loan
Street Legal Only. Rates good for new loans with automatic payment (otherwise add 0.25% for coupon payment). Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 6.99% | New Motorcycles (Street Legal Only). Terms up to 75 Months ($15K loan request and greater, based on MSRP). Automatic payment required (otherwise add 0.25%). |
| up to 75 months | 7.74% | Used Motorcycles (Street Legal Only, 8 Years Old and Newer). Terms up to 75 Months ($15K loan request and greater, 2020 or newer, based on JD Power Retail Value). Automatic payment required (otherwise add 0.25%). |
New Auto Loan
No penalty for early payoff. Terms up to 84 months (conditions apply). Drive off with no payment for up to 60 days. Rates good for new loans with automatic payment; otherwise add 0.25% (25 bps) to loan rate for coupon payment. Existing ITCU vehicle loans can be refinanced by adding 0.50% (50 bps) to approved loan rate. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 5.49% | Up to 75 months (61 – 75 month term only for requested amount of min. $15K or greater, based on MSRP). 5.49% rate requires automatic payment and 60-month max term (otherwise add 0.25% for coupon payment). |
| 76–84 months | 6.49% | From 76 to 84 months (76 – 84 month term only for requested amount of minimum $30k or greater, based on MSRP). Requires automatic payment (otherwise add 0.25% for coupon payment). |
Sources (3)
All captured Oct 16, 2026
Used Auto Loan
Loan amounts based on JD Power Retail Value. No penalty for early payoff. Rates good for new loans with automatic payment; otherwise add 0.25% (25 bps) to loan rate for coupon payment. Existing ITCU vehicle loans can be refinanced by adding 0.50% (50 bps) to approved loan rate. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 5.49% | Up to 80,000 maximum mileage, 8 years old and newer; terms up to 75 months ($15K loan request and greater, 2020 or newer, based on JD Power Retail Value). Requires automatic payment (otherwise add 0.25%). |
| 76–84 months | 6.49% | Up to 80,000 maximum mileage, 8 years old and newer; terms from 76 to 84 months ($30K loan request and greater, 2020 or newer, based on JD Power Retail Value). Requires automatic payment (otherwise add 0.25%). |
| up to 60 months | 8.24% | 80,001 to 130,000 maximum, 10 years old and newer; terms up to 60 months - 80,001-100,000 miles (10 years old and newer, based on JD Power Retail Value). Requires automatic payment (otherwise add 0.25%). |
| up to 48 months | 8.24% | 80,001 to 130,000 maximum, 10 years old and newer; terms up to 48 months - 100,001-130,000 miles (10 years old or newer, based on JD Power Retail Value). Requires automatic payment (otherwise add 0.25%). |
Sources (3)
All captured Oct 16, 2026
Who can join InTouch Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school within Oakland, Macomb, Genesee, or Wayne County are eligible for membership.
- Persons who live, work, worship, or attend school within Enterprise, Henderson, Las Vegas, North Las Vegas, Paradise, Spring Valley, Summerlin South, Sunrise Manor, Whitney, or Winchester are eligible for membership.
- Persons who live, work, worship, or attend school within Collin, Dallas, Denton, or Tarrant County are eligible for membership.
- Persons who live, work, worship, or attend school within Fairfax County or Loudon County are eligible for membership.
Employers and groups
- Employees, retirees, and families of Caesars/Harrahs, Core Logic, DXC, EDS, First American Financial, Friends of the Foundation, Hilton, HP, HPE, HPI, IHG, Keurig Dr Pepper Inc., and Service King, as well as student-athletes of Conference USA and NACE, are eligible for membership.
Other ways
- Individuals who do not otherwise qualify by location can become eligible for membership by becoming a friend of Friends of the Foundation.
Membership information collected October 5, 2026.