Credit union · NCUA insured
PCM Credit Union Auto Loan Rates
Top CarrotPCM Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 17, 2026.
How PCM Credit Union’s auto loan rates compare
Compared with banks and credit unions near Green Bay, WI, where PCM Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PCM Credit Union
4.99%APR
- Terms
- 49–72 months
- Up to
- 6.99% APR
Collateral Loans
Lowest rate
Community First Credit Union
3.50%APR
- Terms
- up to 66 months
- Up to
- —
2nd-lowest rate
Unison Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
PCM Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PCM 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.
Collateral Loans
May qualify for .25% rate discount. Please contact a loan officer for details. Members with credit scores of 635 or less may be subject to a higher rate. Life and Disability Insurance is available on most loans. +1% APR for collateral less than $10,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99%–6.99% | Credit score 735+ base rate 4.99% (PMT/$1K $23.03); +1% APR for credit score 636-734 (5.99%, PMT/$1K $23.48); +2% APR for credit score 635 or less (6.99%, PMT/$1K $23.94); +1% APR for collateral less than $10,000 |
| 49–72 months | 4.99%–6.99% | Credit score 735+ base rate 4.99% (PMT/$1K $16.10); +1% APR for credit score 636-734 (5.99%, PMT/$1K $16.57); +2% APR for credit score 635 or less (6.99%, PMT/$1K $17.05); +1% APR for collateral less than $10,000 |
| 73–84 months | 5.99%–7.99% | Credit score 735+ base rate 5.99% (PMT/$1K $14.61); +1% APR for credit score 636-734 (6.99%, PMT/$1K $15.09); +2% APR for credit score 635 or less (7.99%, PMT/$1K $15.59); +1% APR for collateral less than $10,000 |
Sources (1)
- pcmcu.org/rates/loan-rates · captured Oct 16, 2026
Who can join PCM Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives or works in one of six Wisconsin counties: Brown, Door, Kewaunee, Marinette, Oconto, or Shawano.
Family and household
- Eligibility is open to individuals who have a family member who is already a PCMCU member, regardless of where the family member lives.
- Eligibility is open to individuals who live in the same household as a current PCMCU member.
Cost to join
- Eligible members join with a $5 share deposit into a Primary Savings Account.
Membership information collected October 5, 2026.