Credit union · NCUA insured
LincOne Federal Credit Union Auto Loan Rates
LincOne Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How LincOne Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lincoln, NE, where LincOne Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
LincOne Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Vehicle Loan
Lowest rate
University of Nebraska Federal Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
MembersOwn Credit Union
4.25%APR
- Terms
- up to 84 months
- Discount
- None included
LincOne Federal Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where LincOne Federal 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.
Flex Auto Loan
Designed for vehicles 5 years old or newer; quoted rates are for 2024 or newer vehicles. Lower monthly payments by financing a portion of vehicle value with trade, sell, or refinance options at maturity. Rates include a 0.50% discount for automatic payments made from a LincOne Checking Account (autopay required for advertised rates). Membership eligibility and a $25 minimum balance savings account are required. For vehicles with 100,000+ miles, add 1.00% to rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Terms up to 36 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
| up to 48 months | 4.50% | Terms up to 48 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
| up to 60 months | 5.00% | Terms up to 60 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
| up to 72 months | 5.50% | Terms up to 72 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
| up to 84 months | 6.25% | Terms up to 84 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
New Vehicle Loan
Applicable to 2024, 2025, and 2026 vehicles with a clean title. Rates include a 0.50% discount for automatic payments made from a LincOne Checking Account (autopay required for advertised rates). Membership eligibility and a $25 minimum balance savings account are required. For vehicles with 100,000+ miles, add 1.00% to rate. Subject to underwriting guidelines and credit approval. Floor rate as low as 4.50% (new money only).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Terms up to 36 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. Floor rate as low as 4.50% (new money only). |
| up to 48 months | 4.50% | Terms up to 48 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
| up to 60 months | 5.00% | Terms up to 60 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
| up to 72 months | 5.50% | Terms up to 72 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
| up to 84 months | 6.25% | Terms up to 84 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
Sources (3)
All captured Oct 22, 2026
Used Vehicle Loan
Rates include a 0.50% discount for automatic payments made from a LincOne Checking Account (autopay required for advertised rates). Membership eligibility and a $25 minimum balance savings account are required. For vehicles with 100,000+ miles, add 1.00% to rate. Subject to underwriting guidelines and credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | Terms up to 24 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
| up to 36 months | 5.00% | Terms up to 36 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
| up to 48 months | 5.25% | Terms up to 48 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
| up to 60 months | 5.50% | Terms up to 60 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
| up to 72 months | 6.25% | Terms up to 72 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account. |
Sources (3)
All captured Oct 22, 2026
Who can join LincOne Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone that lives, works, worships or studies in Lancaster County and the City of Lincoln, NE is eligible to join.
Membership information collected October 4, 2026.