Credit union · NCUA insured
Simplicity Credit Union Auto Loan Rates
Top CarrotSimplicity Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Simplicity Credit Union’s auto loan rates compare
Compared with banks and credit unions near Stevens Point, WI, where Simplicity Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Simplicity Credit Union
4.49%APR
- Terms
- 48–60 months
- Discount
- None included
Auto Loans
2nd-lowest rate
Valley Communities Credit Union
4.72%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
Sentry Credit Union
4.95%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Simplicity Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Simplicity 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 eligibility required. Additional rate discounts are available for a Simplicity Checking Account with Direct Deposit, Active Duty or Retired Military Members, Borrowers financing 75% Loan-to-Value, or refinancing a loan from another lender. Additional discounts do not apply to current rate specials.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 3.74% | — |
| 48–60 months | 4.49% | — |
| up to 72 months | 4.74% | — |
| up to 84 months | 5.49% | Secured loans with a term of 84 months require a principal balance of $20,000 or greater. |
| 48–72 months | 3.99% | New auto loans, new model vehicles only (2026-2027) with 3,000 miles or less, secured by an automobile. Additional discounts do not apply to current rate specials. Promotion valid until October 31, 2026 per vehicle loans page (September 30, 2026 per rates page). Subject to credit approval. |
Who can join Simplicity Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside or are employed in the Wisconsin counties of Adams, Brown, Calumet, Chippewa, Clark, Eau Claire, Fond du Lac, Jackson, Marathon, Outagamie, Portage, Shawano, Taylor, Trempealeau, Waupaca, Waushara, Winnebago, and Wood are eligible for membership.
Employers and groups
- Employees of specified companies/entities, contractors of the City of Neenah or Neenah Joint School District, and stockholders or patrons of the Tomorrow Valley Co-op are eligible for membership.
Family and household
- Family members (spouse, parent, sibling, in-law, children, stepparents, stepchildren, grandparents, and grandchildren) of an existing Simplicity Credit Union member are eligible for membership.
Cost to join
- A $5.00 savings account deposit is required to open membership.
Membership information collected October 5, 2026.