Credit union · NCUA insured
SM Federal Credit Union Auto Loan Rates
SM Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How SM Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where SM Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SM Federal Credit Union
5.25%APR
- Terms
- up to 60 months
Automobile Loans
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
SM Federal Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SM 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.
Automobile Loans
Loan terms vary according to the year of the vehicle. Typically able to loan purchase price with no down payment required. For vehicles older than 1999, contact office for available terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | Model years 2025/2026 |
| up to 60 months | 5.25% | Model years 2025/2026 |
| up to 48 months | 5.05% | Model years 2025/2026 |
| up to 60 months | 6.29% | Model year 2024 |
| up to 48 months | 6.59% | Model year 2023 |
| up to 42 months | 6.79% | Model year 2022 |
| up to 36 months | 7.29% | Model year 2021 |
| up to 24 months | 7.59% | Model years 2018-2008 |
Sources (4)
All captured Oct 16, 2026
Who can join SM Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the Federal Aviation Administration in the Kansas City Metro area are eligible for membership.
- Employees of the US Postal Service in Johnson or Wyandotte Counties are eligible for membership.
Family and household
- Immediate family members of a member—defined as persons related by blood, marriage, or other recognized family relationship in the same household, or non-household grandparents, parents, spouses, siblings, children, or grandchildren—are eligible for membership.
Cost to join
- Joining requires a minimum deposit of $25.00 returned with a completed signature card.
Membership information collected October 4, 2026.