Credit union · NCUA insured
P&S Credit Union Auto Loan Rates
Top CarrotP&S Credit Union auto loans start at 6.25% for a used one. Rates checked October 22, 2026.
How P&S Credit Union’s auto loan rates compare
Compared with banks and credit unions near Atlanta, GA, where P&S Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
P&S Credit Union
– –
- Terms
- —
No ongoing APR published
Lowest rate
Go Energy Credit Union
3.59%APR
- Terms
- —
2nd-lowest rate
On The Grid Financial
3.75%APR
- Terms
- 49–60 months
P&S Credit Union auto loan score
63
Auto loan score
Higher than 10% of U.S. banks and credit unions
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where P&S 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 Truck & Auto Loans (2026 and Untitled 2025 Vehicles)
Rates advertised are the Credit Union's best rates, subject to credit approval and may change without notice. Up to 125% loan to value. No penalty for early payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 2.49% | Fixed rate (as low as) |
| 13–48 months | 4.75% | Fixed rate (as low as) |
| 49–60 months | 4.99% | Fixed rate (as low as) |
| 61–72 months | 4.99% | Fixed rate (as low as) |
| 73–84 months | 5.95% | Fixed rate (as low as) |
Used Truck & Auto Loans (2017 and Older Previously Titled Vehicles)
Rates advertised are the Credit Union's best rates, subject to credit approval and may change without notice. Up to 125% loan to value. No penalty for early payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.00% | Fixed rate (as low as) |
| 37–48 months | 7.25% | Fixed rate (as low as) |
| 49–60 months | 7.50% | Fixed rate (as low as) |
Used Truck & Auto Loans (2018 to 2025 Previously Titled Vehicles)
Rates advertised are the Credit Union's best rates, subject to credit approval and may change without notice. Up to 125% loan to value. No penalty for early payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75% | Fixed rate (as low as) |
| up to 60 months | 4.99% | Fixed rate (as low as) |
| 61–72 months | 5.40% | Fixed rate (as low as) |
| 73–84 months | 6.00% | Fixed rate (as low as) |
Used Truck & Auto Loans (Classic/Vintage Vehicles)
Rates advertised are the Credit Union's best rates, subject to credit approval and may change without notice. Up to 125% loan to value. No penalty for early payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.25% | Fixed rate (as low as) |
| up to 84 months | 7.50% | Fixed rate (as low as) |
Who can join P&S Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to residents of Salt Lake County.
Employers and groups
- Membership is open to Boilermakers & Welders Local #182.
- Membership is open to former employees and their family of Elias Morris & Sons Co. (EMSCO).
- Membership is open to Heat & Frost Insulators Local #69.
- Membership is open to Iron Workers Local #27.
- Membership is open to U.A. Local 140 Pipefitters, Plumbers, HVAC & R.
4 more ways to join
Military, government and schools
- Membership serves Utah Career Center.
- Membership is open to Utah Prison Employees (Former UPECU Credit Union Members).
Family and household
- Membership is open to family members of current members.
- Membership is open to family members of Local Union members.
Cost to join
- A $25 Share (Savings) Account deposit is required to establish membership.
Membership information collected October 4, 2026.