Credit union · NCUA insured
Transcend Credit Union Auto Loan Rates
Transcend Credit Union auto loans start at 5.44% APR for a new vehicle and 5.44% for a used one. Rates checked October 22, 2026.
How Transcend Credit Union’s auto loan rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Transcend Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Transcend Credit Union
5.44%APR
- Terms
- up to 66 months
Conventional Auto Loans
Lowest rate
Brown Forman Employees Credit Union
3.99%APR
- Terms
- —
2nd-lowest rate
Louisville/Jefferson County Metropolitan Sewer District (MSD)
4.25%APR
- Terms
- up to 72 months
Louisville/Jefferson County Metropolitan Sewer District (MSD) rates
Transcend Credit Union auto loan score
75
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.44%
- Used vehicleUsed5.44%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Transcend 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.
Conventional Auto Loans
Loans available for new automobiles purchased from a dealer, used low mileage vehicles, and refinances. Membership eligibility required. Subject to credit and collateral approval. Up to 90 days with no payment (first payment due 90 days after closing; interest accrues during 90-day period). Proof of up-to-date auto insurance required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.19% | Model Year 2024 - 2027. Purchase APR as low as. Lowest available purchase APR includes a maximum .50% discount for any 2 of the following, each worth .25%: GAP purchase, warranty purchase, automatic payments, 20% equity, Auto Protection Plan purchase. Rate for all terms with no discounts is .50% higher. |
| up to 66 months | 5.44% | Model Year 2024 - 2027. Purchase APR as low as. Lowest available purchase APR includes a maximum .50% discount for any 2 eligible discounts (each worth .25%). Rate for all terms with no discounts is .50% higher (e.g. Model year 2024 – 2026 with term up to 66 months would be as low as 5.69% APR with no discounts). |
| up to 78 months | 5.74% | Model Year 2024 - 2027. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 89 months | 6.24% | Model Year 2024 - 2027. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 99 months | 7.09% | Model Year 2024 - 2027. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 48 months | 5.49% | Model Year 2022 - 2023. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 66 months | 5.74% | Model Year 2022 - 2023. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 78 months | 6.14% | Model Year 2022 - 2023. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 89 months | 6.64% | Model Year 2022 - 2023. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 99 months | 7.49% | Model Year 2022 - 2023. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 48 months | 6.19% | Model Year 2020 - 2021. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 66 months | 6.44% | Model Year 2020 - 2021. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 78 months | 6.84% | Model Year 2020 - 2021. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 89 months | 7.29% | Model Year 2020 - 2021. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 99 months | 7.89% | Model Year 2020 - 2021. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 48 months | 7.19% | Model Year 2018-2019. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 66 months | 7.44% | Model Year 2018-2019. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
| up to 78 months | 7.84% | Model Year 2018-2019. Purchase APR as low as. Includes up to .50% discount for any 2 eligible purchase discounts (each worth .25%). Rate with no discounts is .50% higher. |
Sources (2)
All captured Oct 22, 2026
Who can join Transcend 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 anyone who works, lives, worships, or attends school in Anderson, Bourbon, Boyle, Bullitt, Clark, Daviess, Estill, Fayette, Franklin, Garrard, Harrison, Henry, Jefferson, Jessamine, Lincoln, Madison, Mercer, Nicholas, Oldham, Powell, Scott, Shelby, Spencer, Trimble, and Woodford counties in Kentucky.
Membership information collected October 4, 2026.