Credit union · NCUA insured
Together Credit Union Auto Loan Rates
Together Credit Union auto loans start at 4.99% APR for a new vehicle and 5.34% for a used one. Rates checked October 16, 2026.
How Together Credit Union’s auto loan rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Together Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Together Credit Union
4.99%APR
- Terms
- up to 63 months
- Up to
- —
New Auto
Lowest rate
St. Louis Policemen's Credit Union
3.50%APR
- Terms
- —
- Up to
- 12.25% APR
2nd-lowest rate
First Missouri Credit Union
3.99%APR
- Terms
- —
- Up to
- —
Together Credit Union auto loan score
80
Auto loan score
Higher than 53% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Together 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
Rates, and terms and conditions subject to change without notice on new loans. Loan rates reflect best rates based on underwriting factors. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.14% | — |
| up to 48 months | 8.14% | — |
| up to 60 months | 9.14% | — |
Sources (2)
All captured Oct 5, 2026
New Auto
Rates reflect best rates based on underwriting factors. Rates and terms subject to change without notice on new loans. Minimum loan for 75-month term is $15,000; for 84-month term is $25,000. Term and rates on secured loans are dependent upon age of security and mileage on collateral. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 4.99% | — |
| up to 75 months | 5.49% | Minimum loan for 75-month term is $15,000. |
| up to 84 months | 6.49% | Minimum loan for 84-month term is $25,000. |
Sources (2)
All captured Oct 5, 2026
Used Auto
Rates reflect best rates based on underwriting factors. Rates and terms subject to change without notice on new loans. Minimum loan for 75-month term is $15,000; for 84-month term is $25,000. Term and rates on secured loans are dependent upon age of security and mileage on collateral. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.34% | — |
| up to 75 months | 5.84% | Minimum loan for 75-month term is $15,000. |
| up to 84 months | 6.84% | Minimum loan for 84-month term is $25,000. |
Sources (2)
All captured Oct 5, 2026
Used Auto (2018 or older)
Applies to vehicles model year 2018 or older. Rates reflect best rates based on underwriting factors. Rates and terms subject to change without notice on new loans. Term and rates on secured loans are dependent upon age of security and mileage on collateral. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.34% | — |
Sources (2)
All captured Oct 5, 2026
Value Plus Auto
Rates reflect best rates based on underwriting factors. Rates and terms subject to change without notice on new loans. Term and rates on secured loans are dependent upon age of security and mileage on collateral. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.34% | — |
| 61–72 months | 6.84% | — |
Sources (3)
- togethercu.org/loans/auto-loans/Auto-Purchase
- togethercu.org/loans/auto-loans/refinancing
- togethercu.org/rates
All captured Oct 5, 2026
Who can join Together Credit Union
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 or work in Madison County or St. Clair County in Illinois are eligible to join.
- Individuals who live or work in St. Louis City, St. Louis County, St. Charles County, or Jefferson County in Missouri are eligible to join.
- Individuals who live or work in the Dallas, Texas Metro area within 10 miles of Cedar Hill, TX, or specified zip codes are eligible to join.
- Individuals who live or work in the Williamsburg, Virginia area (including Williamsburg, Newport, and New Hampton) are eligible to join.
Employers and groups
- Employees and retirees of partner Select Employer Groups (SEGs) are eligible to join.
Family and household
- Immediate family members and household members of current Together Credit Union members are eligible to join.
1 more way to join
Other ways
- Entities with a physical location in served communities or owned by a current member are eligible to join.
Cost to join
- A initial minimum savings deposit of $5 is required to establish membership.
Membership information collected October 4, 2026.