Credit union · NCUA insured
Sun Federal Credit Union Auto Loan Rates
Sun Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.49% for a used one. Rates checked September 26, 2026.
How Sun Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Toledo, OH, where Sun Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sun Federal Credit Union
5.24%APR
- Terms
- 1–75 months
New (<10K miles) Auto Loan
Lowest rate
Millstream Area Credit Union
4.50%APR
- Terms
- —
2nd-lowest rate
Cornerstone Community Financial Credit Union
4.69%APR
- Terms
- 40–64 months
Sun Federal Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.24%
- 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 Sun 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.
New (<10K miles) Auto Loan
Sun Federal Credit Union membership required ($5.00 savings deposit). Private party sales do not qualify for New Vehicle rates. All loans subject to credit approval. Rates, terms, and conditions vary based on creditworthiness, qualifications, and collateral conditions.
| Terms | APR | Conditions |
|---|---|---|
| 1–75 months | 5.49% | Standard APR. No prepayment penalty. |
| 1–75 months | 5.24% | Bright Auto Loans promotional rate includes a 0.25% discount off approved rate. Promotion Period: 4/7/2026–9/30/2026. Applies only to new/used auto purchases and/or refinances from other institutions. |
| 76–84 months | 5.99% | Standard APR for loan amounts $30K+. No prepayment penalty. |
| 76–84 months | 5.74% | Bright Auto Loans promotional rate includes a 0.25% discount off approved rate for loan amounts $30K+. Promotion Period: 4/7/2026–9/30/2026. Applies only to new/used auto purchases and/or refinances from other institutions. |
Sources (3)
- sunfederalcu.org/loans/vehicle-loans
- sunfederalcu.org/rates
- sunfederalcu.org/campaign/bright-auto-loans
All captured Sep 17, 2026
Used (2020 & Older) Auto Loan
Sun Federal Credit Union membership required ($5.00 savings deposit). Vehicles older than 10 years: max term 48 months, max LTV 80% (except classic cars with appraisal); clear title loans max LTV 80%. All loans subject to credit approval. Rates, terms, and conditions vary based on creditworthiness, qualifications, and collateral conditions.
| Terms | APR | Conditions |
|---|---|---|
| 1–51 months | 5.99% | Standard APR. No prepayment penalty. |
| 1–51 months | 5.74% | Bright Auto Loans promotional rate includes a 0.25% discount off approved rate. Promotion Period: 4/7/2026–9/30/2026. Applies only to new/used auto purchases and/or refinances from other institutions. |
| 52–60 months | 6.49% | Standard APR for loan amounts $30K+. No prepayment penalty. |
| 52–60 months | 6.24% | Bright Auto Loans promotional rate includes a 0.25% discount off approved rate for loan amounts $30K+. Promotion Period: 4/7/2026–9/30/2026. Applies only to new/used auto purchases and/or refinances from other institutions. |
Sources (3)
- sunfederalcu.org/loans/vehicle-loans
- sunfederalcu.org/rates
- sunfederalcu.org/campaign/bright-auto-loans
All captured Sep 17, 2026
Used (2021-2026) Auto Loan
Sun Federal Credit Union membership required ($5.00 savings deposit). All loans subject to credit approval. Rates, terms, and conditions vary based on creditworthiness, qualifications, and collateral conditions.
| Terms | APR | Conditions |
|---|---|---|
| 1–75 months | 5.74% | Standard APR. No prepayment penalty. |
| 1–75 months | 5.49% | Bright Auto Loans promotional rate includes a 0.25% discount off approved rate. Promotion Period: 4/7/2026–9/30/2026. Applies only to new/used auto purchases and/or refinances from other institutions. |
| 76–84 months | 6.24% | Standard APR for loan amounts $30K+. No prepayment penalty. |
| 76–84 months | 5.99% | Bright Auto Loans promotional rate includes a 0.25% discount off approved rate for loan amounts $30K+. Promotion Period: 4/7/2026–9/30/2026. Applies only to new/used auto purchases and/or refinances from other institutions. |
Sources (3)
- sunfederalcu.org/loans/vehicle-loans
- sunfederalcu.org/rates
- sunfederalcu.org/campaign/bright-auto-loans
All captured Sep 17, 2026
Who can join Sun Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open by joining through a complimentary membership to the American Consumer Council (ACC).
Where you live or work
- Membership is open to individuals who live, work, worship, attend school, or conduct business within a designated community area.
Employers and groups
- Membership is open to members of a church, club, or association that is a participating Sponsor Group.
- Membership is open to employees and retirees of a participating Sponsor Group.
Military, government and schools
- Membership is open to students attending a partner school.
Family and household
- Membership is open to immediate family members (spouse, parent, grandparent, sibling, child) or household members of an existing member.
Membership information collected October 5, 2026.