Bank · FDIC insured
UNB Bank Auto Loan Rates
UNB Bank auto loans start at 5.02% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How UNB Bank’s auto loan rates compare
Compared with banks and credit unions near Sunbury, PA, where UNB Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
UNB Bank
5.02%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto
Lowest rate
MC Federal Credit Union
4.60%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Central Keystone FCU
4.89%APR
- Terms
- 49–60 months
- Discount
- None included
UNB Bank auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.02%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UNB Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto
Rates are for qualified applicants with a credit score of 700 and above, subject to credit approval. Rates are contingent upon automatic payments made from a UNB Bank deposit account. Add 0.25% to rate if borrower does not elect to have payments automatically deducted from a UNB Bank deposit account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.02% | Model Year 2024 – 2025. Credit score 700+ with automatic payment from UNB Bank deposit account (add 0.25% without auto-pay). Monthly payment example: $18.88 per $1,000 borrowed. |
| up to 66 months | 5.26% | Model Year 2024 – 2025. Credit score 700+ with automatic payment from UNB Bank deposit account (add 0.25% without auto-pay). Monthly payment example: $17.48 per $1,000 borrowed. |
| up to 72 months | 5.51% | Model Year 2024 – 2025. Loan amount $20,000+. Credit score 700+ with automatic payment from UNB Bank deposit account (add 0.25% without auto-pay). Monthly payment example: $16.34 per $1,000 borrowed. |
Sources (1)
- unb.bank/resources/auto-rates · captured Oct 7, 2026
Used Auto
Rates are for qualified applicants with a credit score of 700 and above, subject to credit approval. Rates are contingent upon automatic payments made from a UNB Bank deposit account. Add 0.25% to rate if borrower does not elect to have payments automatically deducted from a UNB Bank deposit account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50% | Model Year 2023. Credit score 700+ with automatic payment from UNB Bank deposit account (add 0.25% without auto-pay). Monthly payment example: $19.10 per $1,000 borrowed. |
| up to 66 months | 5.75% | Model Year 2023. Credit score 700+ with automatic payment from UNB Bank deposit account (add 0.25% without auto-pay). Monthly payment example: $17.71 per $1,000 borrowed. |
| up to 60 months | 6.25% | Model Year 2021 – 2022. Credit score 700+ with automatic payment from UNB Bank deposit account (add 0.25% without auto-pay). Monthly payment example: $19.45 per $1,000 borrowed. |
| up to 48 months | 6.71% | Model Year 2020. Credit score 700+ with automatic payment from UNB Bank deposit account (add 0.25% without auto-pay). Monthly payment example: $23.81 per $1,000 borrowed. |
| up to 36 months | 7.01% | Model Year 2018-2019. Credit score 700+ with automatic payment from UNB Bank deposit account (add 0.25% without auto-pay). Monthly payment example: $30.88 per $1,000 borrowed. |
Sources (1)
- unb.bank/resources/auto-rates · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.