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Credit union · NCUA insured

Serve Credit Union Auto Loan Rates

Top Carrot, Carrot Score 95Top Carrot

Serve Credit Union auto loans start at 4.54% APR for a new vehicle and 4.64% for a used one. Rates checked October 16, 2026.

How Serve Credit Union’s auto loan rates compare

Compared with banks and credit unions near Des Moines, IA, where Serve Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 95

    This credit union’s lowest

    Serve Credit Union

    4.54%APR

    Terms
    up to 60 months

    New Vehicles (2025 & Newer)

  • Top Carrot, Carrot Score 89

    Lowest rate

    Midland Credit Union

    4.10%APR

    Terms
    —

    Midland Credit Union rates

  • Top Carrot, Carrot Score 95

    2nd-lowest rate

    Collins Community Credit Union

    4.14%APR

    Terms
    up to 60 months

    Collins Community Credit Union rates

Compare auto loan rates near you →

Serve Credit Union auto loan score

88

Auto loan score

Higher than 85% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.54%
  • Used vehicleUsed4.64%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Serve 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.

Who can join Serve Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of Serve Credit Union are eligible for membership.
  • Employees, volunteers, retired personnel, and members of health/medical care facilities and organizations who live, work, or worship in Polk County or contiguous counties (Dallas, Boone, Story, Jasper, Marion, Warren, and Madison) are eligible for membership.
  • Employees of small employee groups approved by the Superintendent are eligible for membership.

Military, government and schools

  • Teachers, administrators, employees, board members, volunteers, retired personnel, and members of schools, recognized private homeschooling, and educational associations/entities within the State of Iowa are eligible for membership.
  • Employees, volunteers, and retired personnel of any federal, state, county, or city governmental agencies within the State of Iowa are eligible for membership.
  • Employees, volunteers, retired personnel, and members of public agencies, associations, institutions, departments, and government entities within the State of Iowa that enforce laws, rules, and ordinances or protect life and property are eligible for membership.
3 more ways to join

Family and household

  • Persons in the same household as a current member, or persons related to a member or spouse by blood or marriage, and relatives of a deceased member are eligible for membership.

Other ways

  • Members of Polk County Schools Employees Credit Union as of October 1, 2016 are eligible for membership.
  • Members of USDA Credit Union as of May 1, 2015 are eligible for membership.

Cost to join

  • Members must fund the membership at opening with a minimum deposit of $25 into the Basic Share / par share.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
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