Credit union · NCUA insured
KC Area Credit Union Auto Loan Rates
KC Area 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 KC Area Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where KC Area Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
KC Area Credit Union
4.99%APR
- Terms
- —
New & Used Auto Loans
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
KC Area 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 KC Area 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.
New & Used Auto Loans
Must qualify for rate.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Must qualify for rate. Lock in your rate while you shop with pre-approval. |
Sources (3)
All captured Oct 5, 2026
Who can join KC Area 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This may be incomplete or out of date, so check with the credit union before you apply.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 in, work in, or are paid from Wyandotte County, KS are eligible for membership.
Employers and groups
- Any person employed in the Richard A. Bolling Federal Building (601 E. 12th Street, KCMO), the DOT office building (901 Locust, KCMO), or the U.S. Federal Courthouse (400 E. 9th St, KCMO) is eligible for membership.
- Employees of Certain-Teed Corp, Afroquip-Guston Bacon Division, Russell Stover Candies Inc and subsidiaries, Simmons Mattress Co, and Civacon (formally known as Knappco) are eligible for membership.
Military, government and schools
- Employees, current and retired, of the city, state, local and federal government who work in offices in Johnson County, KS; Wyandotte County, KS; Jackson County, MO; or Clay County, MO are eligible for membership.
Family and household
- Spouses, children, brothers, sisters, parents, and grandchildren of eligible members, current or retired, are eligible for membership.
Other ways
- All other Credit Unions chartered in the State of Missouri are eligible for membership.
Membership information collected October 4, 2026.