Credit union · Privately insured
MyUSA Credit Union Auto Loan Rates
MyUSA Credit Union auto loans start at 5.70% APR for a new vehicle and 5.70% for a used one. Rates checked October 16, 2026.
How MyUSA Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dayton, OH, where MyUSA Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MyUSA Credit Union
5.70%APR
- Terms
- up to 84 months
- Up to
- —
Auto & Truck Loans
Lowest rate
Universal 1 Credit Union
4.54%APR
- Terms
- up to 63 months
- Up to
- 14.06% APR
2nd-lowest rate
Wright-Patt Credit Union
4.99%APR
- Terms
- up to 63 months
- Up to
- 15.44% APR
MyUSA Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.70%
- Used vehicleUsed5.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MyUSA 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.
Auto & Truck Loans
Qualify for up to 125% financing; take up to 84 months to repay on qualifying vehicles; no prepayment penalties. $95 processing fee; title fees range from $15 to $32. Subject to $5 membership fee if not already a member.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.70% | Model year 2023 and newer. Rates as low as stated. Minimum loan amount usually $5,000; minimum loan amount for terms greater than 63 months is $10,000; minimum loan amount for terms greater than 75 months is $20,000. |
| up to 84 months | 6.35% | Model year 2022 and older. Rates as low as stated. Minimum loan amount usually $5,000; minimum loan amount for terms greater than 63 months is $10,000; minimum loan amount for terms greater than 75 months is $20,000. |
Who can join MyUSA 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This may be incomplete or out of date, so check with the credit union before you apply.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 who lives, works, worships, or attends school in Butler, Clark, Greene, Miami, Montgomery, or Warren counties is eligible for membership.
Cost to join
- A $5 opening deposit is required to open an account and become a member.
Membership information collected October 5, 2026.