Credit union · NCUA insured
TCU Auto Loan Rates
TCU auto loans start at 5.75% APR for a new vehicle and 6.25% for a used one. Rates checked November 6, 2026.
How TCU’s auto loan rates compare
New vehicle, lowest advertised APR. The lowest rate among banks and credit unions with branches in each area.
This credit union’s lowest
TCU
5.75%APR
- Terms
- 43–66 months
Auto Loan
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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
All rates are listed as APR and are subject to change at any time. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. Other terms and conditions may apply. Salvaged: Contact Loans for more information.
| Terms | APR | Conditions |
|---|---|---|
| 12–42 months | 5.50% | Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 43–66 months | 5.75% | Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 67–90 months | 6.00% | Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 91–102 months | 6.25% | Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 12–42 months | 6.00% | Model years 2022-2025. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 43–66 months | 6.25% | Model years 2022-2025. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 67–90 months | 6.50% | Model years 2022-2025. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 91–102 months | 6.75% | Model years 2022-2025. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 12–42 months | 6.50% | Model years 2016-2021. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 43–66 months | 6.75% | Model years 2016-2021. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 67–90 months | 7.00% | Model years 2016-2021. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 91–102 months | 7.25% | Model years 2016-2021. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 12–42 months | 8.25% | Model years 2010-2015. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 43–66 months | 8.50% | Model years 2010-2015. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 67–78 months | 8.75% | Model years 2010-2015. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
| 12–66 months | 9.50% | Model years 2009 & older. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. |
Sources (1)
- thornapplecu.com/rates · captured Nov 6, 2026
TCU auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Who can join TCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in Barry County or counties surrounding Barry County.
Membership information collected October 5, 2026.