Credit union · NCUA insured
Reliance Credit Union Auto Loan Rates
Reliance Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Reliance Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Reliance Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Reliance Credit Union
4.99%APR
- Terms
- up to 60 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
Reliance Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Reliance 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
Financing up to 115% for qualified members. 2024 and newer vehicle qualifies for new car rate. Terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | New 2024-Newer vehicles. |
| up to 72 months | 5.49% | New 2024-Newer vehicles. |
| up to 84 months | 6.49% | New 2024-Newer vehicles. |
| up to 60 months | 5.49% | Used 2023-2020 vehicles. |
| up to 72 months | 6.49% | Used 2023-2020 vehicles. |
| up to 60 months | 6.74% | Used 2019-2016 vehicles. |
| up to 48 months | 7.49% | Used 2015-Older vehicles. |
Motorcycle, Jet Ski, ATV etc...
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.99% | New 2024-Newer. |
| up to 48 months | 8.49% | Used 2023 & Older. |
Sources (1)
- reliancecu.org/rates.html · captured Oct 5, 2026
Who can join Reliance Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons working or residing in Wyandotte, Johnson, and Leavenworth counties in the Kansas City area, and organizations of such persons, are eligible for membership.
Employers and groups
- Employees of the Board of Public Utilities and employees of Reliance Credit Union, as well as organizations of such persons, are eligible for membership.
- Employees of Western Resources, Inc., successor companies Oneok and Westar Energy (and their successor companies), Southern Union Company, and its affiliate and subsidiary companies, as well as organizations of such persons, are eligible for membership.
- Employees, active medical staff, auxiliary staff, contract employees, and board members of specified healthcare facilities in Kansas City, KS and Leavenworth, KS (including Providence Medical Center, Providence Place, St. John Hospital, Sisters of Charity of Leavenworth Health Services Corp, Prime Health Corp) and individuals employed in the Wyandotte Medical Building are eligible for membership.
- Individuals employed in the natural gas industry who are working in or paid from the Kansas City metropolitan area, and organizations of such persons, are eligible for membership.
- Members in good standing of United Steelworkers Union #12561, Gasworkers Union #781, Electrical Workers #124, Oil Chemical & Atomic Workers #5, and organizations of such persons, are eligible for membership.
2 more ways to join
Family and household
- Immediate family members of eligible persons across the qualifying membership groups are eligible to join.
Other ways
- Current members of Reliance Credit Union and organizations of such persons maintain eligibility.
Membership information collected October 4, 2026.