Credit union · NCUA insured
Public Safety Credit Union Auto Loan Rates
Top CarrotPublic Safety Credit Union auto loans start at 4.94% APR for a new vehicle and 4.94% for a used one. Rates checked October 16, 2026.
How Public Safety Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Public Safety Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Public Safety Credit Union
4.94%APR
- Terms
- up to 72 months
Auto Loans
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Public Safety Credit Union auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.94%
- Used vehicleUsed4.94%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Public Safety 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
Must be eligible for membership. Rate applies to auto loans only (new, used, or refinance); boat, RV, and motorcycle loans are excluded. Not valid on existing Public Safety Credit Union loans. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.94% | Rates as low as 4.94% APR. Terms up to 72 months. 90 days no payments (interest continues to accrue). Promotion expires May 31, 2026. Rate stays the same whether buying new or used vehicles. |
| — | 4.94% | Rates as low as 4.94% APR. Financing up to 100% for qualified members. Longer terms available for qualified members. Whether you buy new, used, or refinance. |
Sources (4)
- publicsafetycu.org/loans-credit-cards/car-truck
- publicsafetycu.org/rates
- resources.publicsafetycu.org/may-2026-auto-loan-swe
- publicsafetycu.org
All captured Oct 5, 2026
Who can join Public Safety Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of First Responder Agencies in Missouri and Kansas are eligible for membership.
- Employees of Public Safety Credit Union are eligible for membership.
- Employees of Private Security Agencies in Missouri and Kansas are eligible for membership.
Military, government and schools
- Employees of Kansas City Crime Commission, Kansas City Board of Police Commissioners, and KCMO Police Retirement Board are eligible for membership.
- Employees of Prosecuting Attorney offices in Missouri and Kansas are eligible for membership.
Family and household
- Family members of any eligible individual are eligible for membership.
1 more way to join
Other ways
- All active and retired First Responders in Kansas and Missouri are eligible for membership.
Membership information collected October 4, 2026.