Credit union · NCUA insured
Sharefax Credit Union Auto Loan Rates
Sharefax Credit Union auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Sharefax Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Sharefax Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sharefax Credit Union
5.99%APR
- Terms
- up to 63 months
- Up to
- —
Vehicle Loans MODEL YEAR 2023 & NEWER
Lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
2nd-lowest rate
Cincinnati Interagency Federal Credit Union
4.24%APR
- Terms
- —
- Up to
- —
Sharefax Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sharefax 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.
Motorcycle, ATV, & Personal Watercraft
Effective 2/5/2026; rates depend on model year and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 9.00% | Model year 2023 and newer; up to 48 months. |
| 49–63 months | 10.00% | Model year 2023 and newer; 49-63 months. |
| 64–72 months | 11.00% | Model year 2023 and newer; 64-72 months. |
| 73–84 months | 12.00% | Model year 2023 and newer; 73-84 months (New > $20,000). |
| up to 48 months | 9.50% | Model year 2020-2022; up to 48 months. |
| 49–63 months | 10.50% | Model year 2020-2022; 49-63 months. |
| 64–72 months | 11.50% | Model year 2020-2022; 64-72 months. |
| up to 60 months | 12.00% | Model year 2019 and older; up to 60 months. |
Sources (1)
- sharefax.org/loans-credit-cards/loan-rates · captured Oct 6, 2026
Vehicle Loans MODEL YEAR 2019 and Older
Model year 2019 and older.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 7.99% | Model year 2019 and older; up to 63 months. |
Sources (1)
- sharefax.org/loans-credit-cards/loan-rates · captured Oct 6, 2026
Vehicle Loans MODEL YEAR 2020-2022
Model year 2020-2022.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 6.49% | Model year 2020-2022; up to 63 months. |
| up to 75 months | 6.99% | Model year 2020-2022; up to 75 months. |
| up to 84 months | 7.99% | Model year 2020-2022; up to 84 months. |
Sources (1)
- sharefax.org/loans-credit-cards/loan-rates · captured Oct 6, 2026
Vehicle Loans MODEL YEAR 2023 & NEWER
Model year 2023 and newer.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.99% | Model year 2023 and newer; up to 63 months. |
| up to 75 months | 6.24% | Model year 2023 and newer; up to 75 months. |
| up to 84 months | 6.74% | Model year 2023 and newer; up to 84 months. |
Sources (1)
- sharefax.org/loans-credit-cards/loan-rates · captured Oct 6, 2026
Who can join Sharefax Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Adams, Brown, Butler, Clermont, Clinton, Fayette, Greene, Hamilton, Highland, Montgomery, Preble, or Warren County is eligible for membership.
Employers and groups
- Employees of over 400 local companies and organizations are eligible for membership.
Membership information collected October 5, 2026.