Credit union · NCUA insured
Truliant Federal Credit Union Auto Loan Rates
Truliant Federal Credit Union auto loans start at 5.54% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Truliant Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Truliant Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Truliant Federal Credit Union
5.54%APR
- Terms
- 36–63 months
- Up to
- 16.74% APR
New Auto Loans
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
Truliant Federal Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.54%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Truliant Federal 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 Loan Refinancing
Drive Down program allows saving up to 2.00% APR. Does not apply to existing Truliant Federal Credit Union auto loans. Valid on model years 2019 to 2026. Vehicle must be reporting on credit for at least 6 months. Minimum loan amount is $5,000. Maximum APR is 17.99%. Borrow up to 100% of car's value with no down payment. 90-day payment deferral option available (interest accrues; maximum term 84 months).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49%–17.99% | Valid on 2019 - 2026 model years. Vehicle must be reporting on credit for at least 6 months. Excludes existing Truliant auto loans. |
Sources (3)
All captured Oct 4, 2026
Classic Car Loan
Classic Cars (20+ years old) based on J.D. Power valuation classifications. Rates based on credit history, profile, and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 10.49%–18.00% | Classic Cars (20+ years old). |
| 61–72 months | 10.99%–18.00% | Classic Cars (20+ years old). |
| 73–84 months | 11.99%–14.49% | Classic Cars (20+ years old). |
Sources (2)
All captured Oct 4, 2026
Motorcycle Loan
Motorcycle: New/Used. All loans are subject to credit approval. Loan rates are based on credit history, profile, and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 10.49%–18.00% | Motorcycle: New/Used. |
| 61–72 months | 10.99%–18.00% | Motorcycle: New/Used. |
| 73–84 months | 11.99%–14.49% | Motorcycle: New/Used. |
Sources (1)
- truliantfcu.org/rates · captured Oct 4, 2026
New Auto Loans
Borrow up to 100% of purchase price with no down payment. Rates based on credit history, term, and loan-to-value. Total maximum rate discount is 0.25% (possible 0.25% discount available depending on credit score for LTV under 80%). All auto loan rates, including promotional rates and discounts are subject to a 5.29% minimum APR for new autos.
| Terms | APR | Conditions |
|---|---|---|
| 36–63 months | 5.54%–16.74% | Model year 2025 - Newer. |
| 64–75 months | 5.94%–17.24% | Model year 2025 - Newer. |
| 76–84 months | 6.09%–8.49% | Model year 2025 - Newer. |
| 85–96 months | 7.29%–8.49% | Model year 2025 - Newer. |
Sources (2)
All captured Oct 4, 2026
Used Auto Loans
Borrow up to 100% of purchase price with no down payment. Rates based on credit history, term, and loan-to-value. Total maximum rate discount is 0.25% (possible 0.25% discount available depending on credit score for LTV under 80%). Minimum APR is 5.74% for 2019-2024 models and 7.99% for 2016-2018 models.
| Terms | APR | Conditions |
|---|---|---|
| 36–63 months | 5.99%–17.24% | Model years 2019 - 2024. |
| 64–75 months | 6.19%–16.99% | Model years 2019 - 2024. |
| 76–84 months | 6.59%–7.99% | Model years 2019 - 2024. |
| 36–63 months | 8.24%–17.75% | Model years 2016 - 2018. |
| 64–75 months | 8.69%–9.59% | Model years 2016 - 2018. |
Sources (2)
All captured Oct 4, 2026
Who can join Truliant Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Residents of any U.S. state can join for free through membership in the American Consumer Council.
Where you live or work
- Eligible if you live, work, worship, or attend school in a county near a Truliant branch.
Employers and groups
- Employees of partner companies automatically qualify for membership.
Family and household
- Eligible if an immediate family or household member is a current Truliant member.
Cost to join
- Opening and maintaining a Membership Savings account requires a $5.00 minimum deposit/balance as a condition of membership.
Membership information collected October 4, 2026.