Credit union · NCUA insured
Shelter Insurance FCU Auto Loan Rates
Shelter Insurance FCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Shelter Insurance FCU’s auto loan rates compare
Compared with banks and credit unions near Columbia, MO, where Shelter Insurance FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Shelter Insurance FCU
4.99%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- None included
Autos & Trucks (new and used)
Lowest rate
United Credit Union
4.49%APR
- Terms
- —
- Up to
- 17.04% APR
- Discount
- Included in the rate
3rd-lowest rate
West Community Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Shelter Insurance FCU auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Shelter Insurance FCU 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.
Autos & Trucks (new and used)
New vehicles financed up to 85% MSRP/sticker price with terms up to 60 months; used vehicles up to 100% Clean JD Power Trade-In value (larger amounts subject to Credit Committee approval). Must be employed at current employer for at least 6 months. Refinancing existing CU collateral loans requires borrowing an additional $1,000. No loan origination fees or early prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 4.99% | — |
| 13–24 months | 4.99% | — |
| 25–36 months | 4.99% | — |
| 37–48 months | 4.99% | — |
| 49–60 months | 4.99% | — |
Sources (4)
- shelterfcu.com
- shelterfcu.com/loans/loan-guidelines
- shelterfcu.com/loans
- shelterfcu.com/loans/current-loan-rates
All captured Oct 7, 2026
Motorcycles and RVs (new and used)
New RVs (no ATVs or UTVs) and motorcycles financed up to 85% of verified sales price with terms up to 60 months; used up to 85% of verified sales price or 100% of JD Power Trade-In with terms up to 60 months (larger amount subject to Credit Committee approval). Must be employed at current job a minimum of 6 months. Refinance of existing CU collateral loans requires borrowing an additional $1,000. No loan origination fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 8.00% | — |
| 13–24 months | 8.25% | — |
| 25–36 months | 8.50% | — |
| 37–48 months | 8.75% | — |
| 49–60 months | 8.75% | — |
Sources (4)
- shelterfcu.com
- shelterfcu.com/loans/loan-guidelines
- shelterfcu.com/loans
- shelterfcu.com/loans/current-loan-rates
All captured Oct 7, 2026
Who can join Shelter Insurance FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.