Credit union · NCUA insured
Kinetic Credit Union Auto Loan Rates
Top CarrotKinetic Credit Union auto loans start at 3.99% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How Kinetic Credit Union’s auto loan rates compare
Compared with banks and credit unions near Columbus, GA-AL, where Kinetic Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Kinetic Credit Union
3.99%APR
- Terms
- —
New Auto Loan
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
3rd-lowest rate
Regional Members FCU
4.99%APR
- Terms
- —
Kinetic Credit Union auto loan score
93
Auto loan score
Higher than 95% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kinetic 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 Auto Loan
Rates vary based on term of loan, age of vehicle, and your credit history. Must qualify for loan under Kinetic guidelines, including age (minimum 18 years of age) and value of auto.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Cars, trucks and vans. Rates quoted for terms 24-74 months are based on minimum loan amount of $15,000. For loan amounts $5,000-$14,999.99, add one percent. For loans up to $4,999.99, add two percent. Minimum loan amount on terms 75 months and up is $25,000. |
Sources (1)
- kineticcu.com/auto-loans · captured Oct 5, 2026
Used Auto Loan
Rates vary based on term of loan, age of vehicle, and your credit history. Must qualify for loan under Kinetic guidelines, including age (minimum 18 years of age) and value of auto.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Cars, trucks and vans. Rates quoted for terms 24-74 months are based on minimum loan amount of $15,000. For loan amounts $5,000-$14,999.99, add one percent. For loans up to $4,999.99, add two percent. Minimum loan amount on terms 75 months and up is $25,000. |
Sources (1)
- kineticcu.com/auto-loans · captured Oct 5, 2026
Who can join Kinetic Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.