Credit union · NCUA insured
Redstone Federal Credit Union Auto Loan Rates
Redstone Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How Redstone Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Huntsville, AL, where Redstone Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Redstone Federal Credit Union
5.00%APR
- Terms
- 1–60 months
- Discount
- None included
New Car
Lowest rate
North Alabama Educators Credit Union
4.99%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
Northrop Grumman Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Redstone Federal Credit Union auto loan score
78
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Redstone 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.
Motorcycle Loan
Must be an RFCU member to obtain a loan. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. Fixed APRs are fixed for the life of the loan. APRs determined by evaluation of credit at account opening. Maximum amount financed up to 100% of purchase price for new or up to 100% of book value for used. For recreational purposes only. Optional 60-day deferred payment available.
| Terms | APR | Conditions |
|---|---|---|
| 4–60 months | 6.69% | Fixed APR as low as 6.69% for 4 to 60 months. Applies to new or used motorcycles. Maximum amount financed up to 100% of Purchase Price for new or up to 100% of Book Value for used. |
| 61–72 months | 7.19% | Fixed APR as low as 7.19% for 61 to 72 months. Applies to new or used motorcycles. Maximum amount financed up to 100% of Purchase Price for new or up to 100% of Book Value for used. |
Sources (2)
All captured Oct 15, 2026
New Car
Membership required. All loans subject to credit approval. APRs determined by credit history, loan type, term, and loan amount. Fixed APRs are fixed for the term of the loan. Advertised as-low-as APRs assume excellent borrower credit history. Collateral subject to approval. Vehicle value may limit the maximum amount RFCU will lend. Length of contract plus age of vehicle must not exceed 10 years on EV. Minimum loan amounts may apply to 84-month and 96-month terms. Up to 100% of the purchase price or NADA book value. New Vehicles defined as 2024 and newer model years with less than 10,000 miles. Optional 60-day deferred payment available.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 5.00% | Fixed APR as low as 5.00% for 1 to 60 months. Assumes excellent borrower credit history. Applicable to 2024-2027 model years with less than 10,000 miles. Optional 60-day deferred payment available. Payment example: $25,000 financed for 60 months at 5.00% fixed APR = 59 payments of $473.52 and a final payment of $473.27. |
| 61–72 months | 5.50% | Fixed APR as low as 5.50% for 61 to 72 months. Assumes excellent borrower credit history. Applicable to 2024-2027 model years with less than 10,000 miles. Optional 60-day deferred payment available. |
| 73–84 months | 6.00% | Fixed APR as low as 6.00% for 73 to 84 months. Assumes excellent borrower credit history. Applicable to 2024-2027 model years with less than 10,000 miles. Minimum loan amounts may apply. Optional 60-day deferred payment available. |
| 85–96 months | 6.50% | Fixed APR as low as 6.50% for 85 to 96 months. Assumes excellent borrower credit history. Applicable to 2024-2027 model years with less than 10,000 miles. Minimum loan amounts may apply. Optional 60-day deferred payment available. |
Sources (3)
All captured Oct 15, 2026
Used Car
Membership required. All loans subject to credit approval. APRs determined by credit history, loan type, term, and loan amount. Fixed APRs are fixed for the term of the loan. Advertised as-low-as APRs assume excellent borrower credit history. Collateral subject to approval. Vehicle value may limit the maximum amount RFCU will lend. Length of contract plus age of vehicle must not exceed 10 years on EV. Minimum loan amounts may apply to 84-month terms. Up to 100% of the purchase price or NADA book value. Used Vehicles categorized by model year: 2024 and newer with 10,000 miles or more / 2020-2023, 2016-2019, and 2015 or older. Optional 60-day deferred payment available.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 5.25% | Fixed APR as low as 5.25% for 1 to 60 months. Assumes excellent borrower credit history. Applicable to Used Vehicles 2020-2027 (2024 and newer model years with 10,000 miles or more, or 2020-2023 model years). Optional 60-day deferred payment available. |
| 61–72 months | 5.75% | Fixed APR as low as 5.75% for 61 to 72 months. Assumes excellent borrower credit history. Applicable to Used Vehicles 2020-2027 (2024 and newer model years with 10,000 miles or more, or 2020-2023 model years). Optional 60-day deferred payment available. |
| 73–84 months | 6.25% | Fixed APR as low as 6.25% for 73 to 84 months. Assumes excellent borrower credit history. Applicable to Used Vehicles 2020-2027 (2024 and newer model years with 10,000 miles or more, or 2020-2023 model years). Minimum loan amounts may apply. Optional 60-day deferred payment available. |
| 1–60 months | 6.00% | Fixed APR as low as 6.00% for 1 to 60 months. Assumes excellent borrower credit history. Applicable to Used Vehicles 2016-2019 model years. Optional 60-day deferred payment available. |
| 61–72 months | 6.50% | Fixed APR as low as 6.50% for 61 to 72 months. Assumes excellent borrower credit history. Applicable to Used Vehicles 2016-2019 model years. Optional 60-day deferred payment available. |
| 73–84 months | 7.00% | Fixed APR as low as 7.00% for 73 to 84 months. Assumes excellent borrower credit history. Applicable to Used Vehicles 2016-2019 model years. Minimum loan amounts may apply. Optional 60-day deferred payment available. |
| 1–60 months | 8.00% | Fixed APR as low as 8.00% for 1 to 60 months. Assumes excellent borrower credit history. Applicable to Used Vehicles 2015 or older model years. Optional 60-day deferred payment available. |
| 61–72 months | 8.50% | Fixed APR as low as 8.50% for 61 to 72 months. Assumes excellent borrower credit history. Applicable to Used Vehicles 2015 or older model years. Optional 60-day deferred payment available. |
| 73–84 months | 9.00% | Fixed APR as low as 9.00% for 73 to 84 months. Assumes excellent borrower credit history. Applicable to Used Vehicles 2015 or older model years. Minimum loan amounts may apply. Optional 60-day deferred payment available. |
Sources (3)
All captured Oct 15, 2026
Who can join Redstone Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Individuals who join the Association of the United States Army/Redstone-Huntsville Chapter (AUSA), which is free and completed during the membership application process, are eligible for membership.
Employers and groups
- Individuals who work for or belong to one of Redstone's 1,800+ Membership Partner organizations, clubs, churches, or businesses are eligible for membership.
Military, government and schools
- Government employees and contractors on Redstone Arsenal and throughout Madison County are eligible for membership.
- Members of the National Guard in Madison, Morgan, and Limestone Counties in Alabama, and Lincoln County in Tennessee, are eligible for membership.
- Active or retired military service members and their dependents on Redstone Arsenal and throughout Madison County are eligible for membership.
- Reserve service members in Madison County are eligible for membership.
2 more ways to join
Family and household
- Individuals who have an immediate family member (spouse, parent, sibling, child, grandparent, grandchild, step-parent, step-child, or step-sibling) who is a Redstone member are eligible for membership.
- Individuals who live in the same house and share household expenses with a Redstone member are eligible for membership.
Cost to join
- Joining requires opening a share savings account with a $5.00 minimum balance maintained at all times.
Membership information collected October 4, 2026.