Credit union · NCUA insured
Self-Help Credit Union Auto Loan Rates
Top CarrotSelf-Help Credit Union auto loans start at 7.25% APR for a new vehicle and 8.00% for a used one. Rates checked October 22, 2026.
How Self-Help Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Self-Help Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Self-Help Credit Union
7.25%APR
- Terms
- up to 84 months
- Up to
- 13.25% APR
New Car
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
Self-Help Credit Union auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.25%
- Used vehicleUsed8.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Self-Help 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.
Motorcycles
An interest rate reduction of 0.25% to 0.50% can be applied when relationship-based conditions are met. Rate determined by credit score, vehicle year, and mileage.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 10.75%–16.00% | — |
Sources (2)
All captured Oct 4, 2026
New Car
An interest rate reduction of 0.25% to 0.50% can be applied when relationship-based conditions are met (EV/PHEV purchase, LTV < 90%, direct deposit + share-to-loan transfer + eStatements, term certificate/IRA >= $5,000, or previous loan >= $1,500 paid on time). Rate determined by credit score, vehicle year, and mileage.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.25%–13.25% | — |
Sources (2)
All captured Oct 4, 2026
Used Car - Greater than 100,000 Miles
For vehicles with greater than 100,000 miles. An interest rate reduction of 0.25% to 0.50% can be applied when relationship-based conditions are met. Rate determined by credit score, vehicle year, and mileage.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 10.00%–16.00% | Greater than 100,000 miles |
Sources (2)
All captured Oct 4, 2026
Used Car - Less than 100,000 Miles
For vehicles with less than 100,000 miles. An interest rate reduction of 0.25% to 0.50% can be applied when relationship-based conditions are met. Rate determined by credit score, vehicle year, and mileage.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 8.00%–14.00% | Less than 100,000 miles |
Sources (2)
All captured Oct 4, 2026
Who can join Self-Help Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.