Credit union · NCUA insured
Koin Credit Union Auto Loan Rates
Koin Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 15, 2026.
How Koin Credit Union’s auto loan rates compare
Compared with banks and credit unions near Nashville, TN, where Koin Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Koin Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
New Auto
Lowest rate
Enbright Credit Union
3.75%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
Koin Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- 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 Koin 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.
Classic / Older Used Auto
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.99% | Restrictions apply based upon model year; see loan officer for details. The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
Sources (1)
- koincu.org/rates · captured Oct 5, 2026
New Auto
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.25% | The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
| up to 36 months | 4.99% | The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
| up to 48 months | 4.99% | The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
| up to 60 months | 4.99% | The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
| up to 72 months | 5.49% | The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
| up to 84 months | 5.75% | Loan amount greater than $25,000. The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
Sources (1)
- koincu.org/rates · captured Oct 5, 2026
Used Auto
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.49% | Restrictions apply based upon model year; see loan officer for details. The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
| up to 36 months | 5.49% | Restrictions apply based upon model year; see loan officer for details. The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
| up to 48 months | 5.49% | Restrictions apply based upon model year; see loan officer for details. The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
| up to 60 months | 5.49% | Restrictions apply based upon model year; see loan officer for details. The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
| up to 72 months | 6.25% | Restrictions apply based upon model year; see loan officer for details. The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
| up to 84 months | 6.75% | Loan amount greater than $25,000. Restrictions apply based upon model year; see loan officer for details. The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score. |
Sources (1)
- koincu.org/rates · captured Oct 5, 2026
Who can join Koin Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available exclusively through trusted partner organizations.
Membership information collected October 5, 2026.