Credit union · NCUA insured
Local 392 Federal Credit Union Auto Loan Rates
Local 392 Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 6.50% for a used one. Rates checked October 16, 2026.
How Local 392 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Local 392 Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Local 392 Federal Credit Union
5.50%APR
- Terms
- 49–60 months
- Up to
- 11.00% APR
New Auto Loans 2026 – 2027 6,000 Miles or Less
Lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
2nd-lowest rate
Cincinnati Interagency Federal Credit Union
4.24%APR
- Terms
- —
- Up to
- —
Local 392 Federal Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Local 392 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.
New Auto Loans 2026 – 2027 6,000 Miles or Less
For 2026 – 2027 models with 6,000 miles or less
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.00%–10.50% | Credit Rating: A+ (5.00%), A (5.50%), B (6.00%), C (8.00%), D (10.50%) |
| 37–48 months | 5.25%–10.75% | Credit Rating: A+ (5.25%), A (5.75%), B (6.25%), C (8.25%), D (10.75%) |
| 49–60 months | 5.50%–11.00% | Credit Rating: A+ (5.50%), A (6.00%), B (6.50%), C (8.50%), D (11.00%) |
| 61–72 months | 5.75%–11.25% | Credit Rating: A+ (5.75%), A (6.25%), B (6.75%), C (8.75%), D (11.25%) |
| 73–84 months | 5.75%–11.25% | Credit Rating: A+ (5.75%), A (6.25%), B (6.75%), C (8.75%), D (11.25%) |
Used Vehicles 2018 – 2026 6,001 Miles or More
For 2018 – 2026 vehicles with 6,001 miles or more. 2017 and older: Add 1.00 % to the used vehicle rates.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 6.00%–11.50% | Credit Rating: A+ (6.00%), A (6.50%), B (7.00%), C (9.00%), D (11.50%). For 2017 and older add 1.00%. |
| 37–48 months | 6.25%–11.75% | Credit Rating: A+ (6.25%), A (6.75%), B (7.25%), C (9.25%), D (11.75%). For 2017 and older add 1.00%. |
| 49–60 months | 6.50%–12.00% | Credit Rating: A+ (6.50%), A (7.00%), B (7.50%), C (9.50%), D (12.00%). For 2017 and older add 1.00%. |
| 61–72 months | 6.75%–12.25% | Credit Rating: A+ (6.75%), A (7.25%), B (7.75%), C (9.75%), D (12.25%). For 2017 and older add 1.00%. |
| 73–84 months | 6.75%–12.25% | Credit Rating: A+ (6.75%), A (7.25%), B (7.75%), C (9.75%), D (12.25%). For 2017 and older add 1.00%. |
Who can join Local 392 Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.