Credit union · NCUA insured
St. James Parish Credit Union Auto Loan Rates
St. James Parish Credit Union auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How St. James Parish Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where St. James Parish Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
St. James Parish Credit Union
5.99%APR
- Terms
- up to 72 months
- Up to
- —
Auto Loans
Lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
2nd-lowest rate
Cincinnati Interagency Federal Credit Union
4.24%APR
- Terms
- —
- Up to
- —
St. James Parish Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where St. James Parish 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
Rates are based on creditworthiness and term. Application fee waived. On all model years, add 1.00% APR if refinancing a St. James Credit Union loan with less than $5,000 new funds.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | Vehicle model year 2026 or newer. |
| 73–84 months | 6.49% | Vehicle model year 2026 or newer; minimum vehicle value $20,000. |
| up to 72 months | 6.99% | Vehicle model year 2024 or 2025. |
| 73–84 months | 7.49% | Vehicle model year 2024 or 2025; minimum vehicle value $20,000. |
| up to 60 months | 7.99% | Vehicle model year 2018 through 2023. |
| up to 72 months | 8.49% | Vehicle model year 2018 through 2023; minimum vehicle value $10,000. |
| up to 48 months | 9.49% | Vehicle model year 2017 or older. |
| 49–60 months | 9.99% | Vehicle model year 2017 or older; minimum vehicle value $10,000. |
Sources (1)
- stjpcu.com/auto · captured Oct 7, 2026
Who can join St. James Parish Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of St. James Roman Catholic Parish of White Oak, Cincinnati, OH.
- Membership is open to all employees of the credit union.
- Membership is open to selected groups.
Military, government and schools
- Membership extends to faculty and students of St. James Parish School and members within their households.
Family and household
- Membership is open to relatives of parish members, including spouses, widowers, parents, grandparents, siblings, children, grandchildren, or dependents within a parish member's household.
- Membership is open to family members of credit union employees, including spouses, widowers, parents, grandparents, siblings, children, grandchildren, or dependents within the employee's household.
Membership information collected October 5, 2026.