Credit union · NCUA insured
Power Co-op Employees Credit Union Auto Loan Rates
Power Co-op Employees Credit Union auto loans start at 2.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 16, 2026.
How Power Co-op Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions in Iowa, where Power Co-op Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Power Co-op Employees Credit Union
2.99%APR
- Terms
- —
Cars
2nd-lowest rate
Centris Federal Credit Union
3.99%APR
- Terms
- 24–63 months
3rd-lowest rate
Midland Credit Union
4.10%APR
- Terms
- —
Power Co-op Employees Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew2.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Power Co-op Employees 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.
Cars
Power Co-op Employees Credit Union uses a merit-based system for determining rates. Rates shown are the best offered; individual rates may vary depending on credit score. Not all borrowers will qualify; credit worthiness will affect rate and terms. All loans may be subject to a $30 loan cancellation fee if cancelled within 30 days. There is a $30 loan processing fee added to all loans that involve a title or registration. Length of terms applies to all customer loans except line of credit: $100-$1499 (24 mos), $1500-$3999 (36 mos), $4000-$9999 (48 mos), $10,000-$14,999 (60 mos), $15,000-$19,999 (66 mos), $20,000 and up (72 mos); 84 month financing is an option.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.49% | 2024 & 2025 & 2026 with 20,000 miles or less; 100% Financing. Best-rate tier shown. |
| — | 2.99% | 2024 & 2025 & 2026 with 20,000 miles or less; 90% Financing. Best-rate tier shown. |
| — | 4.49% | 2023, 24, 25 USED; 100% Financing. Best-rate tier shown. |
| — | 3.99% | 2023, 24, 25 USED; 90% Financing. Best-rate tier shown. |
| — | 5.49% | 2020, 2021, 2022; 100% Financing. Best-rate tier shown. |
| — | 4.99% | 2020, 2021, 2022; 90% Financing. Best-rate tier shown. |
| — | 6.99% | 2019 and older; 100% Financing. Best-rate tier shown. |
| — | 6.75% | 2019 and older; 90% Financing. Best-rate tier shown. |
Sources (1)
- powercoopcu.com/loans/loan-rates · captured Oct 16, 2026
Who can join Power Co-op Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of specified area businesses and select employee groups.
- Membership is open to employees and members of Corn Belt Power Co-op, its member cooperatives, affiliates and subsidiaries.
- Membership is open to members of Corn Belt's board of directors and members of Corn Belt's member cooperative boards of directors, including family members.
- Membership is open to employees of North Iowa Municipal Electric Co-op Association's (NIMECA) utilities and members of their governing boards.
- Membership is open to employees and members of designated Rural Electric Cooperatives.
- Membership is open to employees of REC business members.
1 more way to join
Family and household
- Membership is open to family members including spouse, father, mother, son, daughter, brother, sister, grandparents, grandchild, great-grandchild, aunt, uncle, niece, nephew, step-family, and in-laws.
Membership information collected October 4, 2026.