Credit union · NCUA insured
Simplot Credit Union Auto Loan Rates
Simplot Credit Union auto loans start at 4.99% APR for a new vehicle and 6.24% for a used one. Rates checked October 22, 2026.
How Simplot Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boise City, ID, where Simplot Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Simplot Credit Union
4.99%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
2nd-lowest rate
First Tech Federal Credit Union
4.99%APR
- Terms
- up to 65 months
Simplot Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Simplot 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
Loan rates are quoted based on “A” credit rating. Actual rates vary and are based on individual credit worthiness. Rates are subject to change without notice. Pocatello Simplot Credit Union is not responsible for typographical errors. Please call the credit union to verify rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | New up to 3 years; quoted based on “A” credit rating |
| up to 72 months | 5.49% | New up to 3 years; quoted based on “A” credit rating |
| up to 84 months | 5.99% | New up to 3 years; quoted based on “A” credit rating |
| up to 60 months | 6.24% | 4 to 6 years old; quoted based on “A” credit rating |
| up to 72 months | 6.74% | 4 to 6 years old; quoted based on “A” credit rating |
| up to 60 months | 6.99% | 7 years and older; quoted based on “A” credit rating |
Who can join Simplot Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.