Credit union · NCUA insured
U-Haul Federal Credit Union Auto Loan Rates
U-Haul Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.65% for a used one. Rates checked October 22, 2026.
How U-Haul Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where U-Haul Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
U-Haul Federal Credit Union
5.25%APR
- Terms
- 36–84 months
- Up to
- 11.50% APR
New Vehicle
Lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
- Up to
- —
U-Haul Federal Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where U-Haul 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.
New Vehicle
Finance amounts up to 110% of MSRP w/ TTL. GAP & MBI Considered. Fewer than 5k miles, no previous title. Additional 0.50% added for 84 months ($35,000+). Automatic Payroll Deduction (0.25% Discount) and Member Loyalty Reward (0.25% Discount) available.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 5.25%–11.50% | Credit scores 575+ across Tiers AA to D (5.25% for Tier AA 725+ up to 11.50% for Tier D 575-599). Finance amounts up to 110% of MSRP w/ TTL. Fewer than 5k miles, no previous title. Terms 36 to 84 months depending on amount financed ($3,999 or less for 36 mos up to $35,000+ for 84 mos). Additional 0.50% added for 84 months ($35,000+). Automatic Payroll Deduction (0.25% Discount) and Member Loyalty Reward (0.25% Discount) available. |
Used Vehicle
Terms up to 84 months based on financed amount. Additional 0.50% added for 84 months ($35,000+). Automatic Payroll Deduction (0.25% Discount) and Member Loyalty Reward (0.25% Discount) available.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 5.65%–12.50% | Credit scores 575+ across Tiers AA to D (5.65% for Tier AA 725+ up to 12.50% for Tier D 575-599). Terms 36 to 84 months depending on amount financed ($3,999 or less for 36 mos up to $35,000+ for 84 mos). Additional 0.50% added for 84 months ($35,000+). Automatic Payroll Deduction (0.25% Discount) and Member Loyalty Reward (0.25% Discount) available. |
Who can join U-Haul Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- U-Haul Dealers and their employees are eligible for membership.
- Full or Part-Time U-Haul employees are eligible for membership.
Family and household
- Immediate family members of full or part-time U-Haul employees are eligible for membership.
Cost to join
- A $5 one-time non-refundable membership fee is required upon joining.
- A $25 pledge towards share savings is required and must remain in the account at all times to retain membership.
Membership information collected October 4, 2026.