Credit union · NCUA insured
Truity Credit Union Auto Loan Rates
Truity Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 15, 2026.
How Truity Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lawrence, KS, where Truity Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Truity Credit Union
5.74%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
Midwest Regional Credit Union
4.99%APR
- Terms
- up to 63 months
- Discount
- None included
2nd-lowest rate
Mid American Credit Union
4.99%APR
- Terms
- up to 63 months
- Discount
- Included in the rate
Truity 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 Truity 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
Fixed rate with terms up to 84 months. Rate subject to credit approval and criteria. Available for new and refinanced loans. Special Promo Rates are not available for refinancing existing credit union loans. $60 documentation fee applies which is considered a finance charge. Members are required to maintain at least $5 in a Share 1 account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.74% | Autos 2022-New. Payment example: $20,000 at 5.74% for 60 months = $384.24/mo. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required. |
| up to 72 months | 5.99% | Autos 2022-New. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required. |
| up to 84 months | 6.24% | Autos 2022-New. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required. |
| up to 60 months | 6.24% | Autos 2020-2021. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required. |
| up to 72 months | 6.74% | Autos 2020-2021. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required. |
| up to 84 months | 7.24% | Autos 2020-2021. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required. |
| up to 48 months | 6.99% | Autos 2016-2019. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required. |
| up to 60 months | 7.49% | Autos 2016-2019. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required. |
Sources (1)
- truitycu.org/en/borrow/loans/autoloans · captured Oct 5, 2026
Who can join Truity Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and immediate family members of employees of over 250 Community Partner organizations (Select Employee Groups) are eligible to join.
Family and household
- Immediate family members of current Truity Credit Union members (spouses, children, parents, siblings, grandchildren, grandparents, stepchildren, stepparents, adoptive parents) and persons living in the same residence maintaining a single economic unit are eligible to join.
Membership information collected October 4, 2026.