Credit union · NCUA insured
Prime Trust Financial Credit Union Auto Loan Rates
Prime Trust Financial Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 15, 2026.
How Prime Trust Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Muncie, IN, where Prime Trust Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Prime Trust Financial Credit Union
5.49%APR
- Terms
- 49–66 months
Vehicle Loans - 2023 through 2026 Models
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
2nd-lowest rate
First County FCU
4.49%APR
- Terms
- up to 60 months
Prime Trust Financial Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Prime Trust 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.
Vehicle Loans - 2006 Through 2014 Models
Published Rates are for Vehicles (passenger cars, trucks, SUV's & vans). Vehicle inspection required - drive-able, mileage, Reasonable condition, etc. Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 9.24% | Vehicle inspection required - drive-able, mileage, Reasonable condition, etc. Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
Sources (1)
- primetrustcu.com/resources/rates · captured Oct 5, 2026
Vehicle Loans - 2015 through 2019 Models
Published Rates are for Vehicles (passenger cars, trucks, SUV's & vans). Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements.
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 7.24% | Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
| 49–66 months | 7.74% | Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
Sources (1)
- primetrustcu.com/resources/rates · captured Oct 5, 2026
Vehicle Loans - 2020 through 2022 Models
Published Rates are for Vehicles (passenger cars, trucks, SUV's & vans). Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements.
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 5.49% | Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
| 49–66 months | 5.74% | Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
| 67–75 months | 6.24% | Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
| 76–84 months | 7.24% | Loan Amounts over $20k only. Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
Sources (1)
- primetrustcu.com/resources/rates · captured Oct 5, 2026
Vehicle Loans - 2023 through 2026 Models
Published Rates are for Vehicles (passenger cars, trucks, SUV's & vans). Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements.
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 5.49% | Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
| 49–66 months | 5.49% | Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
| 67–75 months | 5.49% | Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
| 76–84 months | 6.24% | Loan Amounts over $20k only. Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
| 85–96 months | 6.49% | Loan Amounts over $60k only. Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
Sources (1)
- primetrustcu.com/resources/rates · captured Oct 5, 2026
Vehicle Loans - Vintage Models (2005 or older)
Published Rates are for Vehicles (passenger cars, trucks, SUV's & vans). Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements.
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 10.49% | Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements. |
Sources (1)
- primetrustcu.com/resources/rates · captured Oct 5, 2026
Who can join Prime Trust 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
- Eligible if you live, work, worship, or attend school in Delaware, Madison, Hamilton, Hancock, or Henry County, Indiana, or are a business/legal entity located in those counties.
Employers and groups
- Residents of Blackford, Grant, Jay, Randolph, or Wabash County qualify by making a minimum deposit of $5 in partnership with Second Harvest Food Bank of East Central Indiana.
Cost to join
- Membership is attained by opening a share savings account.
Membership information collected October 5, 2026.