Credit union · NCUA insured
Star Tech FCU Auto Loan Rates
Star Tech FCU auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Star Tech FCU’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where Star Tech FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Star Tech FCU
5.49%APR
- Terms
- up to 60 months
- Up to
- 12.49% APR
Auto Loan
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
2nd-lowest rate
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
- Up to
- —
Star Tech FCU auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Star Tech 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.
Auto Loan
Rates shown are for 60-month terms and 100% loan-to-value. Discounts: -.25% for terms <= 48 months; -.25% for < 70% loan-to-value. Adds: +.25% for 72-month term; +.50% for model years 2012-2016; +1.00% for model years over 10 years; +.50% for each extra 10% loan-to-value over base up to 120% loan-to-value max.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49%–12.49% | Rates range from 5.49% (Prime 760+) to 12.49% (D 639-600) for base 60-month term at 100% LTV. |
Sources (1)
- star-techfcu.com/rates/loan-rates · captured Oct 7, 2026
Auto Loan Refinance (Earn $250 Cash)
Refinance auto loan from another institution. Current Star Tech FCU loans not eligible. Not available to subprime borrowers. Minimum credit score of 660. Terms up to 72 months for current year models only, up to 60 months for older models. Floor rate 5.99% APR. Offer ends September 30, 2025.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | Subject to a floor rate of 5.99% APR. Minimum loan balance $15,000. Earn $250 cash and delay first payment 45 days. Minimum credit score 660. Offer ends September 30, 2025. Applies to new or used car. |
Sources (1)
- star-techfcu.com · captured Oct 7, 2026
Auto Loan Refinance (Earn $300 Cash)
Refinance auto loan to Star Tech FCU. Current Star Tech FCU loans not eligible. Minimum loan balance $15,000. Interest rate reduced by 1.50% APR with 90 days to make first payment. Floor rate 3.00% APR.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.00% | Rate reduced by 1.50% APR subject to a floor rate of 3.00% APR. Minimum loan balance $15,000. Earn $300 cash and 90 days to first payment. Applies to new or used car. |
Sources (1)
- star-techfcu.com/auto-loans · captured Oct 7, 2026
Who can join Star Tech FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.