Spirit of Alaska Credit Union Auto Loan Rates

How Spirit of Alaska Credit Union’s auto loan rates compare

Compared with banks and credit unions near Fairbanks, AK, where Spirit of Alaska Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Spirit of Alaska Credit Union
5.74%APR
Terms
—
Discount
None included
Holiday Auto Loan Special
Lowest rate
MAC Federal Credit Union
4.39%APR
Terms
up to 120 months
Discount
Included in the rate
MAC Federal Credit Union rates
2nd-lowest rate
Credit Union 1
5.40%APR
Terms
—
Discount
None included
Credit Union 1 rates

Compare auto loan rates near you →

Auto loan score

Higher than 25% of U.S. banks and credit unions

By vehicle

New vehicleNew5.74%
Used vehicleUsed5.74%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Spirit of Alaska 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

Terms are based on credit qualifications, value of collateral, and amount to finance. Up to 100% financing available, some restrictions may apply. A loan processing fee of $35 will be charged per signer. Loans under $2000 may have substantially higher APR. Optional Spirit of Alaska Protection, Mechanical Repair Coverage, and GAP Coverage available.

Terms	APR	Conditions
up to 96 months	6.00%	For New & Used Non-Commercial Vehicles. Fixed rate as low as 6.00% APR.
up to 72 months	8.00%	For Classic Vehicles. Fixed rate as low as 8.00% APR.
up to 72 months	7.99%	For Reconstruct Vehicles. Fixed rate as low as 7.99% APR.

Sources (2)

All captured Oct 7, 2026

Holiday Auto Loan Special

Applies to all new and used vehicle purchases and refinances from other lenders. Loan application must be received between December 1st and December 31st, 2024. $35 loan processing fee added to each funded loan. Rates and terms are dependent on credit qualifications.

Terms	APR	Conditions
—	5.74%	Promotional special rate as low as 5.74% APR. Valid for applications submitted between 2024-12-01 and 2024-12-31.

Sources (1)

spiritofak.com/news/holiday-auto-loan-special · captured Oct 7, 2026

Who can join Spirit of Alaska Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Any person who lives, works, or worships within the Fairbanks North Star Borough is eligible for membership.

Employers and groups

Members of the Golden Valley Electric Association are eligible for membership.

Military, government and schools

Alumni of colleges and universities located within the credit union's field of membership, members of their immediate families, and organizations of such persons are eligible for membership.
Employees and students of public, private, and parochial schools, high schools, and institutions of higher learning north of the Alaska Range are eligible for membership.
Persons retired as pensioners or annuitants from school or higher learning employment north of the Alaska Range are eligible for membership.

Family and household

Immediate family members of current credit union members are eligible for membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

← Spirit of Alaska Credit Union overview