Credit union · NCUA insured
UK Credit Union Auto Loan Rates
UK Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How UK Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lexington, KY, where UK Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UK Credit Union
5.24%APR
- Terms
- 37–66 months
- Discount
- Included in the rate
New/Used Vehicle Loan
Lowest rate
Lexington Postal Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Ashland Credit Union
5.08%APR
- Terms
- 61–72 months
- Discount
- Included in the rate
UK Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UK 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 Refinance
Available for collateral 7 years old or newer currently financed in borrower's name with another financial institution. Proof of current rate and registration required. Existing loan must be current. 90-day no-payment promotion available with interest accruing during the 90-day period.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Rate reduction up to 2.00% off current rate from another financial institution, subject to a floor rate / minimum of 4.99% APR. Optional 90-day no-payment period with interest accruing. |
Sources (3)
All captured Oct 22, 2026
New/Used Motorcycle
Membership eligibility required. Rates available are subject to credit approval and subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.74% | Rates available are subject to credit approval and subject to change without notice. |
Sources (1)
- ukcreditunion.org/borrow/rates · captured Oct 22, 2026
New/Used Vehicle Loan
Membership eligibility required. Rates shown include the 1% Buy-Down Program discount and no additional discount is available beyond these rates. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Includes 1% Buy-Down Program discount. |
| 37–66 months | 5.24% | Includes 1% Buy-Down Program discount. |
| 67–75 months | 5.74% | Includes 1% Buy-Down Program discount. |
| 76–84 months | 6.24% | Includes 1% Buy-Down Program discount. |
| 85–89 months | 6.74% | Includes 1% Buy-Down Program discount. |
Sources (2)
All captured Oct 22, 2026
Other Secured Auto Loan
Membership eligibility required. Rates shown include the 0.25% Buy-Down Program discount (specific to LTV under 70%) and no additional discount is available beyond these rates. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.24% | Includes 0.25% Buy-Down Program discount specific to LTV under 70%. |
| 49–72 months | 8.49% | Includes 0.25% Buy-Down Program discount specific to LTV under 70%. |
Sources (2)
All captured Oct 22, 2026
Who can join UK Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, study, or worship in designated areas of Fayette, Jessamine, Garrard, Madison, Scott, Bourbon, Montgomery, Bath, Menifee, Powell, Wolfe, Lee, Jackson, and Rockcastle Counties are eligible for membership.
Employers and groups
- Members of the American Consumer Council are eligible for membership.
- Current and retired employees of over 100 preferred partner organizations across Central Kentucky are eligible for membership.
Military, government and schools
- Current and former students/alumni of University of Kentucky, Eastern Kentucky University, Bluegrass Community & Technical College, Kentucky Community & Technical College System, and more are eligible for membership.
- Current and retired employees of the University of Kentucky are eligible for membership.
Family and household
- Relatives of a current member (spouse, sibling, parent/step-parent, child/step-child, grandchild, uncle, or aunt) are eligible for membership.
Membership information collected October 4, 2026.