Credit union · NCUA insured
Public Service Credit Union Auto Loan Rates
Public Service Credit Union auto loans start at 5.45% APR for a new vehicle and 5.45% for a used one. Rates checked October 16, 2026.
How Public Service Credit Union’s auto loan rates compare
Compared with banks and credit unions near Wausau, WI, where Public Service Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Public Service Credit Union
5.45%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
Athens Area CU
4.25%APR
- Terms
- up to 60 months
2nd-lowest rate
Marathon County Employees Credit Union
4.49%APR
- Terms
- up to 72 months
Public Service Credit Union auto loan score
75
Auto loan score
Higher than 39% of U.S. banks and credit unions
- New vehicleNew5.45%
- Used vehicleUsed5.45%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Public Service 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
Rates based on creditworthiness and term of loan. 2016 & newer collateral may be financed up to 100% of an average of JD Power clean and average trade-in values or best available evaluation; 2015 and older collateral may be financed up to 90%. Flexible terms available on both new and used vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | Rate based on creditworthiness and term of loan. 2016 & newer collateral financed up to 100% of average JD Power values; 2015 & older up to 90%. Applies to both new and used vehicles. |
| up to 36 months | 4.99% | Rate based on creditworthiness and term of loan. 2016 & newer collateral financed up to 100% of average JD Power values; 2015 & older up to 90%. Applies to both new and used vehicles. |
| up to 48 months | 5.20% | Rate based on creditworthiness and term of loan. 2016 & newer collateral financed up to 100% of average JD Power values; 2015 & older up to 90%. Applies to both new and used vehicles. |
| up to 60 months | 5.45% | Rate based on creditworthiness and term of loan. 2016 & newer collateral financed up to 100% of average JD Power values; 2015 & older up to 90%. Applies to both new and used vehicles. |
| up to 72 months | 5.60% | Rate based on creditworthiness and term of loan. 2016 & newer collateral financed up to 100% of average JD Power values; 2015 & older up to 90%. Applies to both new and used vehicles. |
| up to 84 months | 5.99% | Rate based on creditworthiness and term of loan. 2016 & newer collateral financed up to 100% of average JD Power values; 2015 & older up to 90%. Applies to both new and used vehicles. |
Sources (3)
All captured Oct 16, 2026
Who can join Public Service Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of WEC Energy Group, its subsidiaries and affiliates, residing in the State of Wisconsin are eligible for membership.
Family and household
- Immediate family members (including spouse, parents, siblings, children, stepparents, stepsiblings, stepchildren, grandparents, and grandchildren) of eligible employees may become members.
- Any other relative who resides in the same household as a credit union member qualifies for membership.
Cost to join
- A minimum deposit of $25.00 is required to open a Regular Shares savings account and establish membership.
Membership information collected October 5, 2026.