Credit union · NCUA insured
Sheboygan Area CU Auto Loan Rates
Sheboygan Area CU auto loans start at 4.25% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Sheboygan Area CU’s auto loan rates compare
Compared with banks and credit unions near Sheboygan, WI, where Sheboygan Area CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sheboygan Area CU
4.25%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
2nd-lowest rate
Meadowland Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
UnitedOne Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Sheboygan Area CU auto loan score
90
Auto loan score
Higher than 91% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sheboygan Area CU 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
Financing for new or used vehicles up to 115% of retail value. Also available for refinancing. Optional payment protection, GAP protection, and mechanical repair coverage available. Rates posted based on excellent credit and having three qualifying services. Actual loan amount, rate, and term based on credit history, credit score, and age of collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25% | New or Used Vehicles and Motorcycles (2022 & Newer). Monthly payment $29.64 per $1,000. |
| up to 48 months | 4.25% | New or Used Vehicles and Motorcycles (2022 & Newer). Monthly payment $22.69 per $1,000. |
| up to 60 months | 4.25% | New or Used Vehicles and Motorcycles (2022 & Newer). Monthly payment $18.53 per $1,000. |
| up to 72 months | 4.75% | New or Used Vehicles and Motorcycles (2022 & Newer). Monthly payment $15.99 per $1,000. |
| up to 84 months | 6.00% | New or Used Vehicles and Motorcycles (2022 & Newer). 84 month term if loan amount over $35,000 and 2023 or newer model. Monthly payment $14.61 per $1,000. |
| up to 48 months | 4.50% | Used Vehicles and Motorcycles (2020 - 2021). Monthly payment $22.80 per $1,000. |
| up to 60 months | 4.50% | Used Vehicles and Motorcycles (2020 - 2021). Monthly payment $18.64 per $1,000. |
| up to 72 months | 5.25% | Used Vehicles and Motorcycles (2020 - 2021). Monthly payment $16.22 per $1,000. |
| up to 24 months | 5.00% | Used Vehicles and Motorcycles (2018 - 2019). Monthly payment $43.87 per $1,000. |
| up to 36 months | 5.25% | Used Vehicles and Motorcycles (2018 - 2019). Monthly payment $30.08 per $1,000. |
| up to 48 months | 5.30% | Used Vehicles and Motorcycles (2018 - 2019). Monthly payment $23.17 per $1,000. |
| up to 60 months | 5.65% | Used Vehicles and Motorcycles (2018 - 2019). Monthly payment $19.17 per $1,000. |
| up to 24 months | 6.50% | Used Vehicles and Motorcycles (2015 - 2017). Monthly payment $44.55 per $1,000. |
| up to 36 months | 6.75% | Used Vehicles and Motorcycles (2015 - 2017). Monthly payment $30.76 per $1,000. |
| up to 48 months | 7.50% | Used Vehicles and Motorcycles (2015 - 2017). Monthly payment $24.18 per $1,000. |
| up to 24 months | 7.75% | Used Vehicles and Motorcycles (2006 - 2014). Monthly payment $45.11 per $1,000. |
| up to 36 months | 8.50% | Used Vehicles and Motorcycles (2006 - 2014). Monthly payment $31.57 per $1,000. |
Who can join Sheboygan Area CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals living or working in Sheboygan, Manitowoc, Calumet, Fond du Lac, Ozaukee, or Washington Counties.
Employers and groups
- Membership is open to persons employed by Piggly Wiggly Midwest, LLC, and/or their affiliate stores.
Family and household
- Family members of persons employed by Piggly Wiggly Midwest, LLC, and/or their affiliate stores are eligible to join.
Cost to join
- Membership requires a $5.00 share deposit into a savings account.
Membership information collected October 5, 2026.