Credit union · NCUA insured
Kellogg Credit Union Auto Loan Rates
Kellogg Credit Union auto loans start at 3.24% APR for a new vehicle and 3.24% for a used one. Rates checked October 22, 2026.
How Kellogg Credit Union’s auto loan rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Kellogg Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Kellogg Credit Union
3.24%APR
- Terms
- up to 60 months
Truck Loans (2020 & Newer)
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
3rd-lowest rate
Centris Federal Credit Union
3.99%APR
- Terms
- 24–63 months
Kellogg Credit Union auto loan score
99
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.24%
- Used vehicleUsed3.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kellogg 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 (2020 to 2023)
Rates quoted assume excellent borrower credit history. New, used, or refinance. Model years 2020 to 2023. Example: $20,000 loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Approx loan payment $603.94 based on a $20,000 loan. |
| up to 60 months | 5.74% | Approx loan payment $384.33 based on a $20,000 loan. |
| up to 72 months | 5.99% | Approx loan payment $331.45 based on a $20,000 loan. |
Sources (1)
- kellogg-fcu.org/loans/auto · captured Oct 7, 2026
Auto Loans (2024 & Newer)
Rates quoted assume excellent borrower credit history. New, used, or refinance. Model years 2024 & newer. Example: $20,000 loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Approx loan payment $594.94 based on a $20,000 loan. |
| up to 60 months | 4.74% | Approx loan payment $375.12 based on a $20,000 loan. |
| up to 72 months | 5.24% | Approx loan payment $324.40 based on a $20,000 loan. |
| up to 84 months | 5.74% | Approx loan payment $289.76 based on a $20,000 loan. |
Sources (1)
- kellogg-fcu.org/loans/auto · captured Oct 7, 2026
September Anniversary Auto Loan Rate Discount
Qualifying new-money auto loans (new purchases or refinances from another lender; existing Kellogg CU auto loans do not qualify). 0.80% APR discount with rates no lower than the floor rate of 3.69% APR. Must apply online and sign electronically. Cannot be combined with other discounts.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.69% | Floor rate of 3.69% APR; 0.80% APR promotional discount for September on qualifying new-money auto loans or refinances from another lender. |
Sources (1)
- kellogg-fcu.org/auto-loan-discount · captured Oct 7, 2026
Special Summer Offer: Squealing Good Rates Auto Loan
Available on new, used, or refinanced auto loans from other financial institutions. 90 days no payments. Rate includes discount for auto pay and eStatements; without these services, rate is as low as 4.99% APR. Sample payment: $20,000 loan at 4.74% APR for 36 months equals $597.78/mo. Offer expires 7/15/2025.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74% | Includes discount for auto pay and eStatements; 90 days no payments; expires 7/15/2025. |
| — | 4.99% | Standard promotional rate without auto pay and eStatements discount; 90 days no payments; expires 7/15/2025. |
Sources (1)
- kellogg-fcu.org/squealing-good-rates · captured Oct 7, 2026
Truck Loans (2016 to 2019)
Rates quoted assume excellent borrower credit history. For truck purchases or refinances. Model years 2016 to 2019. Rate discounts available: 0.25% off with debt protection; 0.50% off by using payroll direct deposit with KCU checking account and automatic payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Approx loan payment $592.64 based on a $20,000 loan. |
| up to 60 months | 4.49% | Approx loan payment $372.79 based on a $20,000 loan. |
| up to 72 months | 4.74% | Approx loan payment $319.72 based on a $20,000 loan. |
Sources (1)
- kellogg-fcu.org/loans/auto/truck-loans · captured Oct 7, 2026
Truck Loans (2020 & Newer)
Rates quoted assume excellent borrower credit history. For truck purchases or refinances. Model years 2020 & newer. Rate discounts available: 0.25% off with debt protection; 0.50% off by using payroll direct deposit with KCU checking account and automatic payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.99% | Approx loan payment $581.56 based on a $20,000 loan. |
| up to 60 months | 3.24% | Approx loan payment $361.53 based on a $20,000 loan. |
| up to 72 months | 3.74% | Approx loan payment $310.56 based on a $20,000 loan. |
| up to 84 months | 4.24% | Approx loan payment $275.62 based on a $20,000 loan. |
Sources (1)
- kellogg-fcu.org/loans/auto/truck-loans · captured Oct 7, 2026
Who can join Kellogg 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 anyone who lives, works, worships, or attends school in Douglas, Sarpy, or Washington counties in Nebraska, or Pottawattamie County in Iowa.
Family and household
- Membership is open to immediate family members of current members.
Cost to join
- A $5.00 minimum deposit in Primary Savings is required as a member's share in the Credit Union.
Membership information collected October 4, 2026.