Credit union · NCUA insured
Nickel Steel Federal Credit Union Auto Loan Rates
Nickel Steel Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 6.20% for a used one. Rates checked October 16, 2026.
How Nickel Steel Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lima, OH, where Nickel Steel Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Nickel Steel Federal Credit Union
5.50%APR
- Terms
- up to 60 months
- Discount
- None included
NEW/NEWER VEHICLES (2026-2023)
Lowest rate
First National Bank of Pandora
5.50%APR
- Terms
- —
- Discount
- Included in the rate
3rd-lowest rate
Chase
6.24%APR
- Terms
- up to 60 months
- Discount
- None included
Nickel Steel Federal Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed6.20%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Nickel Steel 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/NEWER VEHICLES (2026-2023)
Current base rates determined by the credit union; actual loan rate determined once individual credit score is obtained. Credit union may match certain terms/rates upon pre-approval of another offering financial institution. $10 application fee on all consumer loans due at application submission.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | Starting rate (Daily Periodic Rate starting at 0.01370%). Model years 2026-2023. |
| up to 60 months | 5.50% | Starting rate (Daily Periodic Rate starting at 0.01507%). Model years 2026-2023. |
| up to 72 months | 6.00% | Starting rate (Daily Periodic Rate starting at 0.01644%). Model years 2026-2023. |
| up to 84 months | 6.50% | Starting rate (Daily Periodic Rate starting at 0.01781%). Model years 2026-2023. |
Sources (1)
- nickelsteelfcu.com/loans · captured Oct 7, 2026
USED VEHICLE (2018 & older)
Current base rates determined by the credit union; actual loan rate determined once individual credit score is obtained. Credit union may match certain terms/rates upon pre-approval of another offering financial institution. $10 application fee on all consumer loans due at application submission.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.00% | Starting rate (Daily Periodic Rate starting at 0.01918%). Model years 2018 & older. |
Sources (1)
- nickelsteelfcu.com/loans · captured Oct 7, 2026
USED VEHICLE (2022-2019)
Current base rates determined by the credit union; actual loan rate determined once individual credit score is obtained. Credit union may match certain terms/rates upon pre-approval of another offering financial institution. $10 application fee on all consumer loans due at application submission.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.00% | Starting rate (Daily Periodic Rate starting at 0.01644%). Model years 2022-2019. |
| up to 60 months | 6.20% | Starting rate (Daily Periodic Rate starting at 0.01699%). Model years 2022-2019. |
Sources (1)
- nickelsteelfcu.com/loans · captured Oct 7, 2026
Who can join Nickel Steel 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
- Open to persons who live, work, worship, volunteer, or attend school in the city of Lima, Ohio, and businesses and other legal entities located in the city of Lima, Ohio.
Employers and groups
- Open to employees and retirees of eligible companies and organizations including Whemco, Superior Forge & Steel, N & S Railroad, L.A.C.C.A (employees/clients), Frank's Drive-thru, V.F.W. Post #1911, Southside Neighborhood Assoc., International Brake, and UAW Local 975.
Military, government and schools
- Open to employees and retirees of the Ohio Army National Guard and HHFC 148th Infantry & the Family Readiness group.
Family and household
- Open to family members of eligible members, including spouse, children, parents, brothers, sisters, stepchildren, stepparents, grandchildren, and grandparents.
Cost to join
- Deposit of $25 or more in a Share Savings Account is required to join.
- $5 deposit in a Share Savings Account is required for minors to join.
Membership information collected October 5, 2026.