Credit union · NCUA insured
Thrive Credit Union Auto Loan Rates
Top CarrotThrive Credit Union auto loans start at 5.24% APR for a new vehicle and 6.49% for a used one. Rates checked October 15, 2026.
How Thrive Credit Union’s auto loan rates compare
Compared with banks and credit unions near Muncie, IN, where Thrive Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Thrive Credit Union
5.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
First County FCU
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
Thrive Credit Union auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Thrive 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.
Auto Loans
Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. Rate based on creditworthiness and term of loan. Rates subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | New/Used 2026-2025. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 48 months | 5.24% | New/Used 2026-2025. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 60 months | 5.24% | New/Used 2026-2025. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 72 months | 5.49% | New/Used 2026-2025. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 84 months | 6.24% | New/Used 2026-2025. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 96 months | 6.49% | New/Used 2026-2025. $60,000 Loan Minimum. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 36 months | 5.24% | Model years 2024-2022. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 48 months | 5.49% | Model years 2024-2022. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 60 months | 5.49% | Model years 2024-2022. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 72 months | 5.74% | Model years 2024-2022. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 84 months | 6.49% | Model years 2024-2022. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 96 months | 6.74% | Model years 2024-2022. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 36 months | 5.49% | Model years 2021-2019. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 48 months | 5.74% | Model years 2021-2019. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 60 months | 5.74% | Model years 2021-2019. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 36 months | 6.49% | Model years 2018-2015. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 48 months | 7.24% | Model years 2018-2015. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
| up to 36 months | 8.49% | Model years 2014 & Older. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score. |
Who can join Thrive Credit Union
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 in Delaware, Madison, or Henry County.
- Membership is open to individuals who attend school in Delaware, Madison, or Henry County.
- Membership is open to individuals who work in Delaware, Madison, or Henry County.
- Membership is open to individuals who worship in Delaware, Madison, or Henry County.
Membership information collected October 5, 2026.