Credit union · NCUA insured
Skyla Credit Union Auto Loan Rates
Top CarrotSkyla Credit Union auto loans start at 5.49% APR for a new vehicle and 6.00% for a used one. Rates checked October 22, 2026.
How Skyla Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Skyla Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Skyla Credit Union
5.49%APR
- Terms
- 49–60 months
- Up to
- —
New Auto Loans
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
Skyla Credit Union auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Skyla 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 Refinancing
Refinance existing auto loan from another financial institution at no additional cost. Lower existing rate by up to 1.00% APR; approved rate cannot be lower than 0.50% below the lowest rate. Existing Skyla auto loans are not eligible. Option to skip first payment for 90 days on approved auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | For qualified borrowers only. Existing Skyla auto loans are not eligible. Approved loan rate cannot be lower than 0.50% below the lowest rate. |
| 49–60 months | 5.49% | For qualified borrowers only. Existing Skyla auto loans are not eligible. Approved loan rate cannot be lower than 0.50% below the lowest rate. |
| 61–72 months | 6.49% | For qualified borrowers only. Existing Skyla auto loans are not eligible. Approved loan rate cannot be lower than 0.50% below the lowest rate. |
| 73–84 months | 7.00% | For qualified borrowers only. Existing Skyla auto loans are not eligible. Approved loan rate cannot be lower than 0.50% below the lowest rate. |
Sources (2)
All captured Oct 22, 2026
New Auto Loans
Available for current and previous year vehicles (0 - 1 year). Rates shown are for qualified borrowers; subject to credit approval based on creditworthiness, loan amount, and collateral. Financing up to 100% available for qualified borrowers. Option to skip first payment for 90 days on approved auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | For qualified borrowers only. Subject to credit approval. |
| 49–60 months | 5.49% | For qualified borrowers only. Subject to credit approval. |
| 61–72 months | 6.49% | For qualified borrowers only. Subject to credit approval. |
| 73–84 months | 7.00% | For qualified borrowers only. Subject to credit approval. |
Sources (3)
All captured Oct 22, 2026
Used Auto Loans
Rates as of 10/01/2026. For used auto loans (2 - 10 years). Qualified borrowers only. Subject to credit approval based on creditworthiness, loan amount and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | Qualified borrowers only. Subject to credit approval. 0 - 48 months term. |
| 49–60 months | 6.00% | Qualified borrowers only. Subject to credit approval. 49 - 60 months term. |
| 61–72 months | 7.00% | Qualified borrowers only. Subject to credit approval. 61 - 72 months term. |
| 73–84 months | 7.49% | Qualified borrowers only. Subject to credit approval. 73 - 84 months term. |
Used Auto Loans (11+ Years)
Rates as of 10/01/2026. For used auto loans (11+ years), motorcycles, boats, & RVs. Qualified borrowers only. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.25% | For qualified borrowers only. Subject to credit approval. 0 - 48 months term. |
| 49–60 months | 7.75% | For qualified borrowers only. Subject to credit approval. 49 - 60 months term. |
| 61–72 months | 8.25% | For qualified borrowers only. Subject to credit approval. 61 - 72 months term. |
| 73–84 months | 9.25% | For qualified borrowers only. Subject to credit approval. 73 - 84 months term. |
| 85–120 months | 10.25% | For qualified borrowers only. Subject to credit approval. 85 - 120 months term. |
Sources (1)
- skylacu.com/rates · captured Oct 22, 2026
Who can join Skyla Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligible to join via partner association, the American Consumer Council (ACC).
Membership information collected October 4, 2026.