Credit union · NCUA insured
Kansas City Credit Union Auto Loan Rates
Kansas City Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How Kansas City Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Kansas City Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Kansas City Credit Union
5.00%APR
- Terms
- up to 60 months
Auto Loans - 2025 & Newer Model Year
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Kansas City Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kansas City 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 - 2017 - 2024 Model Year
Eligibility: Must work, worship, or reside in Jackson, Cass, or Clay County, MO, or be an employee of Kansas City, MO, University Health, KCATA-The Metro, A.B. May Heating & AC, or Prier Products Inc. Rates apply to 2017 - 2024 Model Year. Lowest APR available dependent upon credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | As low as APR; lowest APR available will be determined at time of application and will be dependent upon credit score. |
| up to 48 months | 5.00% | As low as APR; lowest APR available will be determined at time of application and will be dependent upon credit score. |
| up to 60 months | 5.25% | As low as APR; lowest APR available will be determined at time of application and will be dependent upon credit score. |
| up to 72 months | 5.50% | As low as APR; lowest APR available will be determined at time of application and will be dependent upon credit score. |
| up to 84 months | 5.75% | As low as APR; lowest APR available will be determined at time of application and will be dependent upon credit score. |
Sources (2)
All captured Oct 7, 2026
Auto Loans - 2025 & Newer Model Year
Eligibility: Must work, worship, or reside in Jackson, Cass, or Clay County, MO, or be an employee of Kansas City, MO, University Health, KCATA-The Metro, A.B. May Heating & AC, or Prier Products Inc. Rates apply to 2025 & Newer Model Year. Lowest APR available dependent upon credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | As low as APR; lowest APR available will be determined at time of application and will be dependent upon credit score. |
| up to 48 months | 4.75% | As low as APR; lowest APR available will be determined at time of application and will be dependent upon credit score. |
| up to 60 months | 5.00% | As low as APR; lowest APR available will be determined at time of application and will be dependent upon credit score. |
| up to 72 months | 5.25% | As low as APR; lowest APR available will be determined at time of application and will be dependent upon credit score. |
| up to 84 months | 5.50% | As low as APR; lowest APR available will be determined at time of application and will be dependent upon credit score. |
Sources (2)
All captured Oct 7, 2026
Who can join Kansas City 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, or worship in Jackson, Cass, or Clay County, Missouri are eligible for membership.
Employers and groups
- Employees of A.B. May Heating & AC are eligible for membership.
- Employees of KCATA (The Metro) are eligible for membership.
- Employees of Prier Products Inc. are eligible for membership.
- Employees of University Health are eligible for membership.
Military, government and schools
- Employees of The City of Kansas City, Missouri are eligible for membership.
1 more way to join
Family and household
- Family members of eligible qualifying members are eligible for membership.
Cost to join
- Members must open a My KC Savings Account with a minimum refundable deposit of $25.
Membership information collected October 4, 2026.