Credit union · NCUA insured
South Bend Transit Federal Credit Union Auto Loan Rates
South Bend Transit Federal Credit Union auto loans start at 5.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 15, 2026.
How South Bend Transit Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near South Bend, IN-MI, where South Bend Transit Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
South Bend Transit Federal Credit Union
5.75%APR
- Terms
- —
- Up to
- —
Auto Loans
Lowest rate
TLCU Financial
4.24%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Circle Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Up to
- 7.25% APR
South Bend Transit Federal Credit Union auto loan score
68
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where South Bend Transit 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.
Auto Loans
No prepayment penalties. Available for new and used auto purchases or refinancing.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.75% | Rates starting as low as 5.75%. |
Who can join South Bend Transit Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to Transpo retirees.
- Membership is available to Transpo employees.
Family and household
- Membership is available to immediate family members.
Cost to join
- Membership requires a $5 initial deposit into Share Savings.
Membership information collected October 5, 2026.