Credit union · NCUA insured
Union Pacific Streamliner Federal Credit Union Auto Loan Rates
Union Pacific Streamliner Federal Credit Union auto loans start at 4.54% for a used one. Rates checked October 22, 2026.
How Union Pacific Streamliner Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Union Pacific Streamliner Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Union Pacific Streamliner Federal Credit Union
– –
- Terms
- —
No ongoing APR published
Lowest rate
Kellogg Credit Union
3.24%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Union Pacific Streamliner Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- Used vehicleUsed4.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Union Pacific Streamliner 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.
DrivingSense Residual Financing for New Untitled Motor Vehicles
Residual auto financing option providing low lease-like payments with ownership benefits, with mileage options up to 18,000 miles per year. Rates as low as stated. Actual rate will vary based on creditworthiness and Loan-to-Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 4.14% | — |
| up to 66 months | 4.39% | — |
| up to 72 months | 4.89% | — |
DrivingSense Residual Financing for Used 2022 - Newer Vehicles
Residual auto financing option providing low lease-like payments with ownership benefits, with mileage options up to 18,000 miles per year. Rates as low as stated. Actual rate will vary based on creditworthiness and Loan-to-Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 4.29% | — |
| up to 66 months | 4.54% | — |
| up to 72 months | 5.04% | — |
New Untitled Motor Vehicle Loan
Rates as low as stated. Membership eligibility applies to Union Pacific employees and their families. Actual rate will vary based on creditworthiness and Loan-to-Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 4.39% | — |
| up to 66 months | 4.64% | — |
| up to 72 months | 5.14% | — |
| up to 84 months | 5.64% | — |
New Untitled Motorcycles Loan
Rates as low as stated. Rates are stated as Annual Percentage Rate (APR). The APR you receive will be based upon creditworthiness criteria. Value based on the lesser of NADA retail value or purchase price. Subject to Loan-to-Value and other underwriting criteria. All collateralized loans require full coverage insurance and lien. Vehicles with salvaged titles do not qualify for these rates. Rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.89% | — |
| 61–72 months | 6.14% | — |
| 73–84 months | 6.64% | — |
Sources (1)
- upcu.org/auto-loans · captured Oct 15, 2026
Used 2016 or Older Motor Vehicles and/or Greater Than 150,000 miles Loan
Applies to used 2016 or older motor vehicles and/or vehicles with greater than 150,000 miles. Rates as low as stated. Membership eligibility applies to Union Pacific employees and their families. Actual rate will vary based on creditworthiness and Loan-to-Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 10.29% | — |
Used 2017-18 Motor Vehicles Loan
Rates as low as stated. Membership eligibility applies to Union Pacific employees and their families. Actual rate will vary based on creditworthiness and Loan-to-Value. Vehicles with salvaged titles do not qualify for these rates. Collateralized loans require full coverage insurance and lien.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.79% | — |
Used 2019-21 Motor Vehicles Loan
Rates as low as stated. Membership eligibility applies to Union Pacific employees and their families. Actual rate will vary based on creditworthiness and Loan-to-Value. Vehicles with salvaged titles do not qualify for these rates. Collateralized loans require full coverage insurance and lien.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.79% | — |
| 61–72 months | 8.29% | — |
Used 2022 or Newer Motor Vehicles Loan
Rates as low as stated. Membership eligibility applies to Union Pacific employees and their families. Actual rate will vary based on creditworthiness and Loan-to-Value. Vehicles with salvaged titles do not qualify for these rates. Collateralized loans require full coverage insurance and lien.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 4.54% | — |
| up to 66 months | 4.79% | — |
| up to 72 months | 5.29% | — |
| up to 84 months | 5.79% | — |
Who can join Union Pacific Streamliner Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Contractors of Union Pacific Railroad are eligible for membership.
- All current employees of Union Pacific Railroad and its subsidiaries are eligible for membership, regardless of location.
- Retirees of Union Pacific Railroad and its subsidiaries qualify for membership.
Family and household
- Spouses and immediate family members (spouses, children, siblings, parents, grandparents, and grandchildren) of eligible employees, retirees, and contractors are eligible to join.
Cost to join
- Opening a membership account requires a minimum initial deposit of $25.
Membership information collected October 4, 2026.