Credit union · NCUA insured
Premier Credit Union Auto Loan Rates
Premier Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Premier Credit Union’s auto loan rates compare
Compared with banks and credit unions near Des Moines, IA, where Premier Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Premier Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Midland Credit Union
4.10%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
- Discount
- None included
Premier Credit Union auto loan score
79
Auto loan score
Higher than 48% 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 Premier 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 Loans
Up to 100% financing for qualified borrowers. Terms up to 84 months. No payments for 90 days. Membership subject to qualifications and a minimum $5 share deposit. Comprehensive and collision insurance must be maintained. 1.00% will be added when refinancing an existing Premier loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Model year 2024 and Newer. Rates quoted with all available discounts, subject to change, based on credit history. 1.00% added when refinancing an existing Premier loan. |
| 60–84 months | 5.50% | Model year 2024 and Newer. Rates quoted with all available discounts, subject to change, based on credit history. 1.00% added when refinancing an existing Premier loan. |
| up to 48 months | 5.25% | Model year 2022 - 2023. Rates quoted with all available discounts, subject to change, based on credit history. 1.00% added when refinancing an existing Premier loan. |
| 48–72 months | 5.50% | Model year 2022 - 2023. Rates quoted with all available discounts, subject to change, based on credit history. 1.00% added when refinancing an existing Premier loan. |
| up to 60 months | 5.75% | Model year 2021 and Older. Rates quoted with all available discounts, subject to change, based on credit history. 1.00% added when refinancing an existing Premier loan. |
Sources (2)
All captured Oct 16, 2026
Who can join Premier Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in approved counties in Iowa, Nebraska, or South Dakota are eligible for membership.
Family and household
- Family and household members of current Premier Credit Union members are eligible for membership.
Cost to join
- Membership requires a $5 initial share deposit to open your first account.
Membership information collected October 4, 2026.