Credit union · NCUA insured
UARK Federal Credit Union Auto Loan Rates
UARK Federal Credit Union auto loans start at 6.25% APR for a new vehicle and 6.85% for a used one. Rates checked October 22, 2026.
How UARK Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fayetteville, AR, where UARK Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UARK Federal Credit Union
6.25%APR
- Terms
- 49–72 months
- Up to
- —
- Discount
- Included in the rate
New Vehicles
Lowest rate
Arkansas Federal Credit Union
5.44%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
INTRUST Bank
5.54%APR
- Terms
- up to 63 months
- Up to
- 16.65% APR
- Discount
- None included
UARK Federal Credit Union auto loan score
62
Auto loan score
Higher than 7% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed6.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UARK 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 Special
Available for purchase or refinance of non-UARK loans only. Existing UARK loans are not eligible. Financing up to 110% NADA retail value for vehicles 5 years old or newer, and up to 80% for vehicles older than 5 years. No payments for first 45 days. Document preparation fee: $50 for loans $2,000 and greater; $35 for loans under $2,000. Rate discounts are not available with this promotion.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Promotional rate for well-qualified borrowers refinancing from another lender or purchasing; cuts rate in half with APR as low as 3.99%. |
Sources (1)
- uarkfcu.com/specials · captured Oct 22, 2026
New Vehicles
Rates displayed include a combination of discounts up to max of 1.00% (discounts include: part of Select Employee Group, 5+ years membership, open active checking account AND existing direct deposit of $500+ monthly OR average 10 debit card transactions/month, automatic loan payments, at least two additional active products, enrolled in eStatements). Credit subject to approval (risk-based).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.40% | — |
| 37–48 months | 5.70% | — |
| 49–72 months | 6.25% | — |
| 73–84 months | 6.35% | — |
Sources (1)
- uarkfcu.com/vehicle-loans · captured Oct 22, 2026
Older Vehicles (6 Years & Older)
Rates displayed include a combination of discounts up to max of 1.00% (discounts include: part of our Select Employee Group, 5 years + membership, Open, active checking account AND: (a) Existing Direct deposit of $500+ monthly OR (b) Average 10 debit card transactions/month, automatic loan payments, at least two additional active products, enrolled in eStatements). Credit subject to approval (Risk Based).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.15% | — |
| 37–48 months | 7.45% | — |
| 49–72 months | 8.10% | — |
Sources (1)
- uarkfcu.com/vehicle-loans · captured Oct 22, 2026
Used Vehicles (5 Years & Newer)
Rates displayed include a combination of discounts up to max of 1.00% (discounts include: part of our Select Employee Group, 5 years + membership, Open, active checking account AND: (a) Existing Direct deposit of $500+ monthly OR (b) Average 10 debit card transactions/month, automatic loan payments, at least two additional active products, enrolled in eStatements). Credit subject to approval (Risk Based).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.90% | — |
| 37–48 months | 6.20% | — |
| 49–72 months | 6.85% | — |
| 73–84 months | 7.05% | — |
Sources (1)
- uarkfcu.com/vehicle-loans · captured Oct 22, 2026
Who can join UARK Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, attends school, owns a business, or volunteers within the City of Fayetteville is eligible for membership.
Employers and groups
- Employees who work for a UARK Preferred Business partner are eligible for membership.
Family and household
- Immediate family members of a UARK Federal Credit Union member are eligible for membership.
Other ways
- Individuals can become eligible for membership by joining the Humane Society of the Ozarks through a $25 donation.
Cost to join
- A $25 donation to become a Humane Society of the Ozarks member qualifies an individual for credit union membership.
Membership information collected October 4, 2026.