Credit union · NCUA insured
Sterling United FCU Auto Loan Rates
Top CarrotSterling United FCU auto loans start at 4.90% APR for a new vehicle and 5.65% for a used one. Rates checked October 15, 2026.
How Sterling United FCU’s auto loan rates compare
Compared with banks and credit unions near Evansville, IN, where Sterling United FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sterling United FCU
4.90%APR
- Terms
- up to 60 months
- Up to
- —
(NEW - 2024) New Auto/Truck/Van (CE)
Lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
2nd-lowest rate
Evansville Federal Credit Union
4.65%APR
- Terms
- up to 60 months
- Up to
- —
Sterling United FCU auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew4.90%
- Used vehicleUsed5.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sterling United 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.
(2019 or Older) Used Auto/Truck/Van (CE)
Rate based on creditworthiness and term of loan. Up to a 0.25% loan rate discount for having direct deposit and debit card (some exclusions apply). Open to individuals who live, work, worship, or attend school in Evansville or surrounding area.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.75% | Maximum term 60 months; NADA Retail Value must be $10,000.00 or greater to get maximum term |
| up to 66 months | 9.45% | Maximum term 66 months; NADA Retail Value must be $10,000.00 or greater to get maximum term |
Sources (1)
- sufcu.org/loan-rates · captured Oct 15, 2026
(2021-2020) Used Auto/Truck/Van (CE)
Rate based on creditworthiness and term of loan. Up to a 0.25% loan rate discount for having direct deposit and debit card (some exclusions apply). Open to individuals who live, work, worship, or attend school in Evansville or surrounding area.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.60% | Maximum term 60 months; NADA Retail Value must be $10,000.00 or greater to get maximum term |
| up to 66 months | 6.85% | Maximum term 66 months; NADA Retail Value must be $10,000.00 or greater to get maximum term |
| up to 72 months | 7.10% | Maximum term 72 months; NADA Retail Value must be $10,000.00 or greater to get maximum term |
Sources (1)
- sufcu.org/loan-rates · captured Oct 15, 2026
(2023-2022) Used Auto/Truck/Van (CE)
Rate based on creditworthiness and term of loan. Up to a 0.25% loan rate discount for having direct deposit and debit card (some exclusions apply). Open to individuals who live, work, worship, or attend school in Evansville or surrounding area.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.65% | Maximum term 60 months; NADA Retail Value must be $10,000.00 or greater to get maximum term |
| up to 66 months | 6.35% | Maximum term 66 months; NADA Retail Value must be $10,000.00 or greater to get maximum term |
| up to 72 months | 6.55% | Maximum term 72 months; NADA Retail Value must be $10,000.00 or greater to get maximum term |
| up to 84 months | 7.50% | Maximum term 84 months; NADA Retail Value must be $10,000.00 or greater to get maximum term |
Sources (1)
- sufcu.org/loan-rates · captured Oct 15, 2026
(NEW - 2024) New Auto/Truck/Van (CE)
Rate based on creditworthiness and term of loan. Up to a 0.25% loan rate discount for having direct deposit and debit card (some exclusions apply). Open to individuals who live, work, worship, or attend school in Evansville or surrounding area.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.90% | Maximum term 36 months; NADA Retail Value must be $5,000.00 or greater to get maximum term |
| up to 48 months | 4.90% | Maximum term 48 months; NADA Retail Value must be $5,000.00 or greater to get maximum term |
| up to 60 months | 4.90% | Maximum term 60 months; NADA Retail Value must be $10,000.00 or greater to get maximum term |
| up to 66 months | 5.80% | Maximum term 66 months; NADA Value and the purchase price must exceed $15,000.00 to get maximum term |
| up to 72 months | 6.00% | Maximum term 72 months; NADA Value and the purchase price must exceed $15,000.00 to get maximum term |
| up to 84 months | 6.50% | Maximum term 84 months; NADA Value and the purchase price must exceed $15,000.00 to get maximum term |
Sources (1)
- sufcu.org/loan-rates · captured Oct 15, 2026
Who can join Sterling United FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Posey, Vanderburgh, or Warrick County, Indiana, or Henderson County, Kentucky are eligible for membership.
Family and household
- Immediate family members (including children, parents, siblings, grandparents, grandchildren, and step relatives) of current members or of individuals who meet geographic eligibility criteria are eligible to join.
- Individuals who live in the same household as a current member are eligible for membership.
Cost to join
- A minimum share savings deposit of $5 is required for ownership, with no membership fee.
Membership information collected October 5, 2026.