Credit union · NCUA insured
UBI Federal Credit Union Auto Loan Rates
UBI Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How UBI Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hartford, CT, where UBI Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UBI Federal Credit Union
4.99%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Riverbank Federal Credit Union
3.74%APR
- Terms
- —
- Discount
- None included
UBI Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UBI 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 Loans
Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment. Rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 4.74% | Model Year 2019-2025. Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment. |
| 49–60 months | 4.99% | Model Year 2019-2025. Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment. |
| 61–72 months | 5.49% | Model Year 2019-2025. Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment. |
| 73–84 months | 6.49% | Model Year 2022-2025. Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment. |
| 1–48 months | 7.99% | Model Year 2018 and Older. Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment. |
| 49–60 months | 8.24% | Model Year 2018 and Older. Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment. |
Sources (1)
- ubifcu.com/borrow-money/auto-loans · captured Oct 15, 2026
Who can join UBI Federal Credit Union
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