Credit union · NCUA insured
Service Credit Union Auto Loan Rates
Service Credit Union auto loans start at 4.24% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Service Credit Union’s auto loan rates compare
Compared with banks and credit unions near Green Bay, WI, where Service Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Service Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- 11.49% APR
Auto/Trailer/Motorcycle (2026-2022)
Lowest rate
Community First Credit Union
3.50%APR
- Terms
- up to 66 months
- Up to
- —
2nd-lowest rate
Unison Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
Service Credit Union auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Service 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/Trailer/Motorcycle (2026-2022)
Membership eligibility required (exclusively for Wisconsin and Michigan WEC Energy Group employees and immediate family members). Actual loan rates determined by collateral value and member credit score. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.24%–11.49% | Model years 2026-2022. APR range spans credit tiers (A+) 730+ (4.24%) to (E) 0-549 (11.49%). Collateral value over $5,000 or new vehicle for up to 60 months. |
| up to 72 months | 4.49%–11.74% | Model years 2026-2022. APR range spans credit tiers (A+) 730+ (4.49%) to (E) 0-549 (11.74%). Collateral value or sticker price greater than $15,000 for up to 72 months. |
| up to 84 months | 5.49%–12.74% | Model years 2026-2022. APR range spans credit tiers (A+) 730+ (5.49%) to (E) 0-549 (12.74%). Collateral value or sticker price greater than $30,000 for up to 84 months. |
Sources (2)
All captured Oct 5, 2026
Used Auto (2018 - older)
Membership eligibility required (exclusively for Wisconsin and Michigan WEC Energy Group employees and immediate family members). Actual loan rates determined by collateral value, member credit score, and loan-to-value (LTV). Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74%–11.99% | Model years 2018 and older; <= 50% LTV. APR range spans credit tiers (A+) 730+ (4.74%) to (E) 0-549 (11.99%). Stated loan term length depends on collateral value. |
| — | 5.24%–12.49% | Model years 2018 and older; > 50% LTV. APR range spans credit tiers (A+) 730+ (5.24%) to (E) 0-549 (12.49%). Stated loan term length depends on collateral value. |
Sources (2)
All captured Oct 5, 2026
Used Auto Loans (2021-2019)
Membership eligibility required (exclusively for Wisconsin and Michigan WEC Energy Group employees and immediate family members). Actual loan rates determined by collateral value and member credit score. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49%–11.74% | Model years 2021-2019. APR range spans credit tiers (A+) 730+ (4.49%) to (E) 0-549 (11.74%). Collateral value over $5,000 or new vehicle for up to 60 months. |
| up to 72 months | 4.74%–11.99% | Model years 2021-2019. APR range spans credit tiers (A+) 730+ (4.74%) to (E) 0-549 (11.99%). Collateral value or sticker price greater than $15,000 for up to 72 months. |
Sources (2)
All captured Oct 5, 2026
Who can join Service Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of WEC Energy Group, its subsidiaries, and affiliates residing in Wisconsin or Michigan are eligible for membership.
Family and household
- Family members (spouse, parents, children, stepparents, stepchildren, grandparents, grandchildren, sisters, brothers, step-sisters, step-brothers, mother-in-law, father-in-law, sister-in-law, brother-in-law) and any person permanently residing in the same household as the primary member are eligible for membership.
Cost to join
- A deposit of $5.00 or more is required to open an account.
Membership information collected October 5, 2026.