Credit union · NCUA insured
The District Credit Union Auto Loan Rates
The District Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How The District Credit Union’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where The District Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
The District Credit Union
5.74%APR
- Terms
- —
- Up to
- 18.00% APR
New and Used Automobile
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
- —
The District Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The District 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.
Motorcycle Loans
Rates effective July 1, 2026 and subject to change without advanced notice. Terms vary based on value and year of application. Subject to member credit qualification.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.24%–13.74% | New Motorcycle: Up to 60 Months. Finance 90% NADA Loan Value. 10% trade or cash down payment required. Rates range from 8.24% (Paper A+) to 13.74% (Paper C); Paper D is N/A. |
| up to 48 months | 8.99%–14.74% | Used Motorcycle: Up to 48 Months. Maximum LTV: 90% (Paper A+), 85% (Paper A), 80% (Paper B), 75% (Paper C); Paper D is N/A. Rates range from 8.99% (Paper A+) to 14.74% (Paper C). |
Sources (1)
- districtcreditunion.com/rates · captured Oct 22, 2026
New Driver Flex-Rate Program
First-time car buyer auto loan for young drivers or members with no credit history. Eligible for up to 1.50% interest rate reduction after 1 year of on-time payments, with waived refinance fees.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99% | Starting as low as 5.99% APR based upon approved credit. Guaranteed 1.50% rate cut after 1 year of on-time payments with waived refinance fees. |
Sources (3)
- districtcreditunion.com/borrowing/vehicle-loans
- districtcreditunion.com/first-time-car-buyer-loan
- districtcreditunion.com/auto-loans-new
All captured Oct 22, 2026
New and Used Automobile
Rates effective July 1, 2026 and subject to change without notice. All loans subject to credit approval and membership eligibility. Loan amounts must be $18,000 or higher to qualify for terms greater than 60 months. LTV is NADA Adjusted Retail Book plus taxes, D & I, warranty & insurance for used vehicles; new vehicles (<2,000 miles) based on MSRP. High inspection required on older used vehicles (2018 and older).
| Terms | APR | Conditions |
|---|---|---|
| — | 5.74%–18.00% | Paper A+ 53 (800 & Higher) through Paper E (<600). Stated APR ranges from 5.74% to 18.00% across credit score tiers. |
Sources (4)
- districtcreditunion.com
- districtcreditunion.com/borrowing/vehicle-loans
- districtcreditunion.com/rates
- districtcreditunion.com/auto-loans-new
All captured Oct 22, 2026
Who can join The District Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.