Credit union · NCUA insured
Softite FCU Auto Loan Rates
Softite FCU auto loans start at 5.50% APR for a new vehicle and 5.70% for a used one. Rates checked October 16, 2026.
How Softite FCU’s auto loan rates compare
Compared with banks and credit unions near Wheeling, WV-OH, where Softite FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Softite FCU
5.50%APR
- Terms
- up to 60 months
- Up to
- 17.95% APR
- Discount
- None included
New 2025 or 2026
Lowest rate
Bayer Heritage Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- 16.25% APR
- Discount
- None included
2nd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Softite FCU auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Softite FCU 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.
New 2025 or 2026
Rates subject to change. Adjustments based on credit worthiness, account relationships, loan types, and loan to value ratios.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.25%–11.50% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 36 months | 5.25%–11.50% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 48 months | 5.25%–14.50% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 60 months | 5.50%–17.95% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 72 months | 6.20%–17.95% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 84 months | 7.20%–17.95% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
Sources (1)
- softitecfcu.com/loan-rates · captured Oct 6, 2026
Used Auto (2016 - 2019)
Rates subject to change. Adjustments based on credit worthiness, account relationships, loan types, and loan to value ratios.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.25%–12.50% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 36 months | 6.50%–12.75% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 48 months | 6.70%–15.95% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 60 months | 6.70%–17.95% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
Sources (1)
- softitecfcu.com/loan-rates · captured Oct 6, 2026
Used Auto (2020 - 2022)
Rates subject to change. Adjustments based on credit worthiness, account relationships, loan types, and loan to value ratios.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.25%–11.50% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier CALL (599 Or <) CALL |
| up to 36 months | 5.75%–12.00% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier CALL (599 Or <) CALL |
| up to 48 months | 5.95%–15.20% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier CALL (599 Or <) CALL |
| up to 60 months | 5.95%–17.95% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier CALL (599 Or <) CALL |
| up to 72 months | 6.95%–11.20% | Financed amount > $40,000.00; Credit Score 780+ (Tier A++) to 640 - 679 (Tier B) |
Sources (1)
- softitecfcu.com/loan-rates · captured Oct 6, 2026
Used Auto (2023 - 2024)
Rates subject to change. Adjustments based on credit worthiness, account relationships, loan types, and loan to value ratios.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.25%–11.50% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 36 months | 5.50%–11.75% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 48 months | 5.70%–14.95% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 60 months | 5.70%–17.95% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 72 months | 6.70%–17.95% | Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL |
| up to 84 months | 7.25%–11.50% | Financed amount > $40,000.00; Credit Score 780+ (Tier A++) to 640 - 679 (Tier B) |
Sources (1)
- softitecfcu.com/loan-rates · captured Oct 6, 2026
Who can join Softite FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.