Credit union · Privately insured
Silver State Schools Credit Union Auto Loan Rates
Top CarrotSilver State Schools Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Silver State Schools Credit Union’s auto loan rates compare
Compared with banks and credit unions near Las Vegas, NV, where Silver State Schools Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Silver State Schools Credit Union
5.49%APR
- Terms
- —
Auto & Truck Loans
Lowest rate
Create Credit Union
4.24%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Silver State Schools Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Silver State Schools 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 & Truck Loans
Membership eligibility is required. Membership at SSSCU requires a savings account with a minimum balance. Finances up to 100% of MSRP (new) or Kelley Blue Book Retail Value (used vehicles). The maximum APR will not exceed 20.74%. Loan amount may exceed 100% of the Loan-to-Value (LTV) of the vehicle with additional terms and conditions to qualify. Up to 90 days before first payment.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Rates as low as 5.49% APR. Up to 90 days before first payment. Actual rate depends on credit score, term, and amount of loan. Flexible terms. Maximum APR will not exceed 20.74%. |
Auto Title Loans
Membership eligibility is required. Membership at SSSCU requires a savings account with a minimum balance. Vehicle is used as collateral. No payments for up to 45 days.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Flexible terms. Rates effective as of October 13, 2026. Actual rate depends on credit score, term, loan-to-value, and loan amount. |
Refinance Auto Loans
Membership eligibility is required. Membership at SSSCU requires a savings account with a minimum balance. Auto loan must be transferred from another financial institution and be in good standing for at least 6 consecutive months. Maximum APR will not exceed 20.74%. Finances up to 100% of MSRP (new) or Kelley Blue Book Retail Value (used vehicles). 90 days no payments option available.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Flexible terms. Actual rate depends on creditworthiness, qualification, and collateral conditions. |
Sources (2)
- silverstatecu.com/loans-and-credit-cards/vehicle-loans
- silverstatecu.com/loans-and-cr…ns/auto-loan-refinancing
All captured Oct 22, 2026
Who can join Silver State Schools Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of Vegas PBS, Channel 10, Southern Nevada’s public broadcasting television station are eligible for membership.
- Employees of specified companies who work in Las Vegas, Nevada are eligible for membership.
- Members of specified stakes of the Church of Jesus Christ of Latter Day Saints in the State of Nevada are eligible for membership.
- Employees or retirees of Silver State Schools Credit Union and its affiliates are eligible for membership.
Military, government and schools
- Employees, volunteers, trustees or board members of public or private schools, colleges, universities, school districts or educational associations located in the state of Nevada are eligible for membership.
- Parents of school-aged children enrolled in public or private schools, colleges, universities, school districts or educational associations located in the state of Nevada are eligible for membership.
7 more ways to join
Military, government and schools
- Retirees, pensioners, and annuitants of public or private schools, colleges, universities, school districts or educational associations are eligible for membership.
- Persons enrolled in public or private schools, colleges, universities, school districts or educational associations located in the state of Nevada are eligible for membership.
Family and household
- Individuals living in the same household (maintaining a single economic unit) as eligible members of the credit union are eligible for membership.
- Immediate family members within the 4th degree of kindred of eligible SSSCU members are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union, persons retired as pensioners or annuitants from eligible employers, and members of their immediate families are eligible for membership.
Other ways
- Eligible by making a $20 donation to the People Over Profit (POP) Foundation.
- Eligible by making a $40 donation to Vegas PBS through SSSCU.
Membership information collected October 4, 2026.