Credit union · NCUA insured
Prospera Credit Union Auto Loan Rates
Prospera Credit Union auto loans start at 5.62% APR for a new vehicle and 5.62% for a used one. Rates checked October 16, 2026.
How Prospera Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oshkosh, WI, where Prospera Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Prospera Credit Union
5.62%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
Vehicle Loans
Lowest rate
Community First Credit Union
3.50%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Oshkosh Community Credit Union
3.98%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Prospera Credit Union auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew5.62%
- Used vehicleUsed5.62%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Prospera 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
Apply online in about 10 minutes. Advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Vehicle loans currently financed with PCU are not eligible. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.62% | LOAN TYPE: 2023 - newer. Advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. |
| up to 60 months | 5.79% | LOAN TYPE: 2020 - 2022. Advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. |
| up to 48 months | 7.04% | LOAN TYPE: 2017- 2019. Advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. |
| up to 36 months | 8.96% | LOAN TYPE: 2016 - older. Advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. |
Sources (1)
- myprospera.com/loans/vehicle-loans · captured Oct 16, 2026
Who can join Prospera Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living or working in Wisconsin’s Outagamie, Winnebago, Brown, Calumet, Waupaca, Manitowoc, Waushara, Shawano, and Fond du lac counties is eligible for membership.
Employers and groups
- Printpac Acquisitions, Inc., a Wisconsin based company.
- Employees of RR Donnelly and all its solely owned subsidiary companies are eligible for membership.
Military, government and schools
- Teachers, administration, and students of Fox Valley Technical College and University of Wisconsin Center Fox Valley are eligible for membership.
- University of Wisconsin Oshkosh (UWO) current and previous university staff, academic staff, faculty, any employee of the organization currently holding the food service contract for UWO, and any officially recognized Association of UWO are eligible for membership.
- UWO students currently enrolled, previously enrolled, alumni, and/or who completed any classes at UWO are eligible for membership.
1 more way to join
Family and household
- Immediate family members of any other eligible person are eligible for membership.
Membership information collected October 5, 2026.