Credit union · NCUA insured
Prime Financial Credit Union Auto Loan Rates
Top CarrotPrime Financial Credit Union auto loans start at 5.29% APR for a new vehicle and 5.29% for a used one. Rates checked October 16, 2026.
How Prime Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Milwaukee, WI, where Prime Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Prime Financial Credit Union
5.14%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Governmental Employees Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Prime Financial Credit Union auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Prime Financial 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
Membership eligibility required. Rate reflects maximum 0.20% autopay discount for new loans only; cannot be combined with other discounts/promos. Rates based on 700+ credit score, LTV <= 80%. If refinancing existing PFCU loan, rates are higher and borrower must add $5,000 to loan balance.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.34% | Model year 2025 & Newer. If over 10,000 miles, add 0.20% APR. |
| 25–36 months | 4.34% | Model year 2025 & Newer. If over 10,000 miles, add 0.20% APR. |
| 37–48 months | 4.64% | Model year 2025 & Newer. If over 10,000 miles, add 0.20% APR. |
| 49–60 months | 5.14% | Model year 2025 & Newer. If over 10,000 miles, add 0.20% APR. |
| 61–75 months | 5.40% | Model year 2025 & Newer. If over 10,000 miles, add 0.20% APR. |
| 76–84 months | 6.38% | Model year 2025 & Newer. If over 10,000 miles, add 0.20% APR. |
| up to 24 months | 4.59% | Model year 2024. |
| 25–36 months | 4.59% | Model year 2024. |
| 37–48 months | 4.89% | Model year 2024. |
| 49–60 months | 5.15% | Model year 2024. |
| 76–84 months | 6.40% | Model year 2024. |
| 37–48 months | 4.92% | Model year 2022 - 2023. |
| 49–60 months | 5.29% | Model year 2022 - 2023. |
| 61–75 months | 5.89% | Model year 2022 - 2023. |
| 76–84 months | 6.59% | Model year 2022 - 2023. |
| 61–75 months | 6.47% | Model year 2021. |
| 61–72 months | 6.47% | Model year 2019 - 2020. |
| 37–48 months | 5.06% | Model year 2014 - 2016. |
| up to 24 months | 6.63% | Model year 2013 & Older. |
| 25–36 months | 6.69% | Model year 2013 & Older. |
Sources (1)
- primefinancialcu.org/borrow/auto-loans/rates · captured Oct 7, 2026
High-Interest Auto Loan Refinance Special
Refinance a high-interest auto loan (paying over 12% APR) at like-terms. Borrower credit report must indicate paid-as-agreed activity with current lender over most recent 12 consecutive months. Requires enrollment in automatic payments. Limit of 1 redemption per member. Not valid with other offers/discounts.
| Terms | APR | Conditions |
|---|---|---|
| — | 12.00% | For borrowers paying over 12% APR on their current auto loan refinancing to like-terms. |
Sources (1)
- primefinancialcu.org/borrow/auto-loans/special-offers · captured Oct 7, 2026
Who can join Prime Financial 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 individuals who live in Wisconsin.
Other ways
- Eligibility applies to current members of Prime Financial Credit Union.
- Eligibility applies to former members of Prime Financial Credit Union.
Membership information collected October 5, 2026.