Credit union · NCUA insured
LPS Employees Federal Credit Union Auto Loan Rates
LPS Employees Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How LPS Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lincoln, NE, where LPS Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
LPS Employees Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
New Vehicle/RV (2025 & Newer)
Lowest rate
University of Nebraska Federal Credit Union
3.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
MembersOwn Credit Union
4.25%APR
- Terms
- up to 84 months
- Up to
- —
LPS Employees Federal Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where LPS Employees 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 Vehicle/RV (2025 & Newer)
Serving employees and retirees of Lincoln Public Schools. Refinance of existing LPS loan requires a minimum $250.00 increase to loan. GAP & Assurance Plus available for $275.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50%–7.50% | Credit score > 700 to 649-550; best rate requires credit score > 700 |
| 61–72 months | 5.50%–8.50% | Credit score > 700 to 649-550; best rate requires credit score > 700 |
| 73–96 months | 6.50% | Credit score > 700 |
Used Vehicles/RV (2024 & Older)
2024 & Older. Add 1.0% for collateral over 10 years old. Serving employees and retirees of Lincoln Public Schools. Refinance of existing LPS loan requires a minimum $250.00 increase to loan. GAP & Assurance Plus available for $275.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.75%–8.75% | Credit score > 700 to 599-550; best rate requires credit score > 700 |
| up to 36 months | 4.75%–9.75% | Credit score > 700 to 599-550; best rate requires credit score > 700 |
| up to 48 months | 5.75%–10.75% | Credit score > 700 to 599-550; best rate requires credit score > 700 |
| up to 60 months | 5.75%–11.75% | Credit score > 700 to 599-550; best rate requires credit score > 700 |
| up to 72 months | 6.75%–12.75% | Credit score > 700 to 599-550; best rate requires credit score > 700 |
| up to 84 months | 6.75%–7.75% | Credit score > 700 to 699-650; best rate requires credit score > 700 |
| up to 96 months | 7.75%–8.75% | Credit score > 700 to 699-650; best rate requires credit score > 700 |
Who can join LPS Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees and retirees of Lincoln Public Schools are eligible for membership.
Membership information collected October 4, 2026.