Credit union · NCUA insured
Signet Federal Credit Union Auto Loan Rates
Top CarrotSignet Federal Credit Union auto loans start at 3.30% APR for a new vehicle and 3.30% for a used one. Rates checked October 22, 2026.
How Signet Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Paducah, KY-IL, where Signet Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Signet Federal Credit Union
3.30%APR
- Terms
- —
- Up to
- —
Auto Loans
2nd-lowest rate
C-Plant Federal Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 14.49% APR
3rd-lowest rate
WBH Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- 15.50% APR
Signet Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.30%
- Used vehicleUsed3.30%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Signet Federal 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 Loans
Membership required: open to those who live, work, attend church or school, or volunteer in Ballard, Calloway, Carlisle, Crittenden, Fulton, Graves, Hickman, Livingston, Lyon, Marshall, and McCracken counties. Having an account is required to complete car loan. Final rate determined by credit score, vehicle age, mileage, and loan term. APR on new loans less than $5,000 will be 1% higher.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.30% | Auto Year Models New-2023. Credit score, vehicle age, mileage, and loan term will determine final rate. APR on new loans less than $5,000 will be 1% higher. |
| — | 4.75% | Auto Year Models 2022-2019. Credit score, vehicle age, mileage, and loan term will determine final rate. APR on new loans less than $5,000 will be 1% higher. |
| — | 5.50% | Auto Year Models 2018-2015. Credit score, vehicle age, mileage, and loan term will determine final rate. APR on new loans less than $5,000 will be 1% higher. |
| — | 6.25% | Auto Year Models 2014-Older. Credit score, vehicle age, mileage, and loan term will determine final rate. APR on new loans less than $5,000 will be 1% higher. |
Who can join Signet Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, volunteers, attends church, or attends school in Ballard, Calloway, Carlisle, Crittenden, Fulton, Graves, Hickman, Livingston, Lyon, Marshall, and McCracken counties.
Membership information collected October 4, 2026.