Credit union · NCUA insured
Options Credit Union Auto Loan Rates
Top CarrotOptions Credit Union auto loans start at 5.19% APR for a new vehicle and 5.19% for a used one. Rates checked October 22, 2026.
How Options Credit Union’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where Options Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Options Credit Union
5.19%APR
- Terms
- up to 84 months
- Up to
- 21.00% APR
Auto Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
2nd-lowest rate
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
- Up to
- —
Options Credit Union auto loan score
80
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew5.19%
- Used vehicleUsed5.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Options 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 Loan Financing Special
Special limited-time pricing for 2019 and newer new and used vehicles. Up to 115% financing. No payments for up to 45 days. Subject to credit approval. Internal loan refinances do not qualify for special rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 4.74% | 2019 and newer new and used vehicles. Up to 115% financing. Rate as low as 4.74% APR for qualified borrowers. Internal loan refinances do not qualify for special rate. No payments for up to 45 days. |
Auto Loan Refinance Program
Auto loan refinance program for straight refinancing of secured auto loans from another lender. No cash-out. Minimum loan amount $10,000. Maximum LTV 130%. Clean payment history for at least 9 months. Existing or prior approved Options CU loans not eligible. Cannot be combined with other promotions or discounts. Up to 60 days before first payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 4.40% | Save up to 3% off current rate for members > 90 days (up to 2% for members < 90 days). Floor rate of 4.40% APR. Minimum loan amount $10,000. Maximum LTV 130%. Valid for 2015 or newer passenger vehicles. Straight refinance only (no cash-out). Clean payment history with other lender for at least 9 months. |
| up to 75 months | 4.90% | Save up to 3% off current rate for members > 90 days (up to 2% for members < 90 days). Floor rate of 4.90% APR as of 1-13-26. Minimum loan amount $10,000. Maximum LTV 130%. Valid for 2016 or newer passenger vehicles. Straight refinance only (no cash-out). Clean payment history with other lender for at least 9 months. |
Auto Loans
Membership required. Loans for new or used cars, trucks, and SUVs for personal use. Terms longer than 63 months require a minimum finance amount. Rate varies based on creditworthiness, term, model year, and eligible rewards. No payoff penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.19%–21.00% | Model Years 2023-2026. Rate varies based on personal credit history, underwriting factors, and eligible rewards. Terms longer than 63 months require a minimum finance amount. |
| up to 84 months | 5.44%–21.00% | Model Years 2020-2022. Rate varies based on personal credit history, underwriting factors, and eligible rewards. Terms longer than 63 months require a minimum finance amount. |
| up to 84 months | 5.40%–21.00% | Model Years 2016-2019. Rate varies based on personal credit history, underwriting factors, and eligible rewards. Terms longer than 63 months require a minimum finance amount. |
Sources (2)
All captured Oct 22, 2026
Who can join Options Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members and employees of the Colorado Bar Association are eligible for membership.
- Members and employees of the Denver Bar Association are eligible for membership.
- Members and employees of GoWest Friends of the Foundation are eligible for membership.
- Members and employees of the Rocky Mountain Paralegal Association are eligible for membership.
Other ways
- Individuals not currently a member of a partner association can join Friends of the Foundation online and become eligible for membership if they reside in Colorado.
Membership information collected October 4, 2026.