Credit union · NCUA insured
Louisville Federal Credit Union Auto Loan Rates
Top CarrotLouisville Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Louisville Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Louisville Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Louisville Federal Credit Union
4.49%APR
- Terms
- up to 60 months
New Auto
Lowest rate
Brown Forman Employees Credit Union
3.99%APR
- Terms
- —
2nd-lowest rate
Louisville/Jefferson County Metropolitan Sewer District (MSD)
4.25%APR
- Terms
- up to 72 months
Louisville/Jefferson County Metropolitan Sewer District (MSD) rates
Louisville Federal Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Louisville 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
Finance new car, truck or van up to 100% of Window Sticker Value. $10 loan application fee required to process application. Max amount loaned $75,000.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.39% | Rates as low as. Credit score must qualify for certain rates. APR depends on loan amount, term, credit history, vehicle age and condition. Does not apply to current LFCU loans. |
| up to 60 months | 4.49% | Rates as low as. Credit score must qualify for certain rates. APR depends on loan amount, term, credit history, vehicle age and condition. Does not apply to current LFCU loans. |
| up to 84 months | 5.39% | Rates as low as. Credit score must qualify for certain rates. APR depends on loan amount, term, credit history, vehicle age and condition. Does not apply to current LFCU loans. |
Used Auto
Finance used car, truck or van up to 100% of NADA Value. $10 loan application fee required to process application. Max amount loaned $75,000.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.89% | Rates as low as. Credit score must qualify for certain rates. APR depends on loan amount, term, credit history, vehicle age and condition. Does not apply to current LFCU loans. |
| up to 60 months | 4.99% | Rates as low as. Credit score must qualify for certain rates. APR depends on loan amount, term, credit history, vehicle age and condition. Does not apply to current LFCU loans. |
| up to 72 months | 5.89% | Rates as low as. Credit score must qualify for certain rates. APR depends on loan amount, term, credit history, vehicle age and condition. Does not apply to current LFCU loans. |
Who can join Louisville Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Federal Government contract employees are eligible for membership.
- Federal Government Employees are eligible for membership.
- Federal Government Retirees are eligible for membership.
Family and household
- Family members (related by blood or marriage) of current or eligible members are eligible for membership.
Cost to join
- There is no fee for membership.
- A minimum opening deposit and active balance of $25.00 into a savings account is required.
Membership information collected October 4, 2026.