Credit union · NCUA insured
Scott Credit Union Auto Loan Rates
Top CarrotScott Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Scott Credit Union’s auto loan rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Scott Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Scott Credit Union
4.74%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loans
Lowest rate
St. Louis Policemen's Credit Union
3.50%APR
- Terms
- —
- Up to
- 12.25% APR
2nd-lowest rate
First Missouri Credit Union
3.99%APR
- Terms
- —
- Up to
- —
Scott Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Scott 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
Available to qualifying members. Up to 100% financing available for qualified borrowers. Maximum term on secured loans depends upon the age of the security and mileage on the collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.74% | Valid for model years 2027-2025. Rates are subject to change and based on loan term, model year, and credit history. |
| up to 72 months | 4.99% | Valid for model years 2027-2025. Rates are subject to change and based on loan term, model year, and credit history. |
| up to 60 months | 4.74% | Valid for model years 2027-2025. Rates are subject to change and based on loan term, model year, and credit history. |
| up to 84 months | 7.99% | Valid for model years 2024-2021. Rates are subject to change and based on loan term, model year, and credit history. |
| up to 72 months | 5.94% | Valid for model years 2024-2021. Rates are subject to change and based on loan term, model year, and credit history. |
| up to 60 months | 4.94% | Valid for model years 2024-2021. Rates are subject to change and based on loan term, model year, and credit history. |
| up to 72 months | 8.99% | Valid for model years 2020-2017. Rates are subject to change and based on loan term, model year, and credit history. |
| up to 60 months | 7.49% | Valid for model years 2020-2017. Rates are subject to change and based on loan term, model year, and credit history. |
| up to 60 months | 9.49% | Valid for model years 2016 and older. Rates are subject to change and based on loan term, model year, and credit history. |
Motorcycles
Rate shown is valid as of October 1, 2026. Rates are subject to change and are based on the term of the loan, model year of the vehicle, as well as credit history. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 9.24% | Valid for model years 2027-2025. Rates based on term, model year, and credit history. |
| up to 60 months | 8.24% | Valid for model years 2027-2025. Rates based on term, model year, and credit history. |
| up to 48 months | 7.99% | Valid for model years 2027-2025. Rates based on term, model year, and credit history. |
| up to 72 months | 9.74% | Valid for model years 2024-2021. Rates based on term, model year, and credit history. |
| up to 60 months | 8.74% | Valid for model years 2024-2021. Rates based on term, model year, and credit history. |
| up to 48 months | 8.49% | Valid for model years 2024-2021. Rates based on term, model year, and credit history. |
| up to 60 months | 10.24% | Valid for model years 2020-2017. Rates based on term, model year, and credit history. |
| up to 48 months | 9.99% | Valid for model years 2020-2017. Rates based on term, model year, and credit history. |
| up to 48 months | 10.99% | Valid for model years 2016 and older. Rates based on term, model year, and credit history. |
Who can join Scott Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone living or working in Bond, Calhoun, Christian, Clinton, Cook, Crawford, DuPage, Effingham, Fayette, Franklin, Greene, Jackson, Jasper, Jefferson, Jersey, Macoupin, Madison, Marion, Monroe, Montgomery, Morgan, Perry, Randolph, St. Clair, Sangamon, Shelby, Washington, Will, or Williamson counties in Illinois.
- Eligibility is open to anyone living or working in St. Charles County, St. Louis County, or St. Louis City in Missouri.
Employers and groups
- Eligibility is open to employees, retirees, members, or affiliates of numerous listed select employer groups, municipal governments, associations, and predecessor credit unions.
Military, government and schools
- Eligibility is open to active or retired military of Scott AFB, including reserve components, civilian employees, retired civilian employees, and Scott AFB authorized personnel.
- Eligibility is open to members or affiliates of specified educational and religious organizations including Brother Rice High School, School District 125/143/145, St. Xavier University, and listed parishes/schools.
Family and household
- Eligibility is open to individuals with immediate family members living or working in the designated 32 counties/areas in Illinois and Missouri.
1 more way to join
Family and household
- Eligibility is open to members' immediate family, including any relative by blood or marriage or foster and adopted children.
Cost to join
- Membership requires an initial savings account share deposit/minimum balance of $5.00 and has no membership fee.
Membership information collected October 5, 2026.