Credit union · NCUA insured
R-G Federal Credit Union Auto Loan Rates
Top CarrotR-G Federal Credit Union auto loans start at 4.39% APR for a new vehicle and 4.89% for a used one. Rates checked October 16, 2026.
How R-G Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Warrensburg, MO, where R-G Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
R-G Federal Credit Union
4.39%APR
- Terms
- 37–60 months
New Vehicle Loan
2nd-lowest rate
UMB Bank
6.09%APR
- Terms
- up to 60 months
3rd-lowest rate
Equity Bank
6.76%APR
- Terms
- up to 60 months
R-G Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.39%
- Used vehicleUsed4.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where R-G Federal 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.
New Vehicle Loan
Membership eligibility required (live, work, worship, or attend school in qualifying Missouri counties). Valid for 2025 and newer vehicles. APR is as low as and varies depending on creditworthiness, vehicle age, loan-to-value (LTV), term, and other factors. Additional relationship discounts may be available. Minimum loan amount of $20,000 for terms between 86 and 108 months.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.29% | For terms up to 36 months on 2025 and newer vehicles. |
| 37–60 months | 4.39% | For terms 37 to 60 months on 2025 and newer vehicles. |
| 61–72 months | 4.79% | For terms 61 to 72 months on 2025 and newer vehicles. |
| 73–84 months | 5.39% | For terms 73 to 84 months on 2025 and newer vehicles. |
Sources (2)
All captured Oct 5, 2026
Used Vehicle Loan
Membership eligibility required (live, work, worship, or attend school in qualifying Missouri counties). APR is as low as and varies depending on creditworthiness, vehicle age, loan-to-value (LTV), term, and other factors. Additional relationship discounts may be available. Minimum loan amount of $20,000 for terms between 86 and 108 months.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.79% | For used vehicle terms up to 36 months. |
| 37–60 months | 4.89% | For used vehicle terms 37 to 60 months. |
| 61–72 months | 5.29% | For used vehicle terms 61 to 72 months. |
| 73–84 months | 5.89% | For used vehicle terms 73 to 84 months. |
Sources (2)
All captured Oct 5, 2026
Who can join R-G Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.