Credit union · NCUA insured
Union Square Credit Union Auto Loan Rates
Union Square Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How Union Square Credit Union’s auto loan rates compare
Compared with banks and credit unions near Wichita Falls, TX, where Union Square Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Union Square Credit Union
5.74%APR
- Terms
- up to 60 months
- Up to
- 17.49% APR
New & Used Auto Loan
Lowest rate
Windthorst Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
Texoma Community Credit Union
6.24%APR
- Terms
- up to 72 months
- Up to
- —
Union Square Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Union Square 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.
New & Used Auto Loan
Rates effective October 1, 2026. Low-to-high APR range based on loan terms; lower rates apply to well-qualified applicants; normal credit criteria apply. Rates based on credit history, model year, term, and other factors. Maximum terms by model year: 2025 and newer up to 84 months; Used 2022-2024 up to 72/75 months; Used 2021 up to 66 months; Used 2020 up to 60 months; Used 2019 up to 54 months; Used 2018 up to 48 months; 2017 & Older up to 42 months. High-mileage vehicles qualify at shorter terms. Refinance offers include up to 60 days no payments / payment deferral on qualified loans with interest continuing to accrue and title transfer fees covered.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.74%–17.49% | New and used auto loans for terms of 60 months or less. Lower rates apply to well-qualified applicants. |
| 61–84 months | 5.99%–17.95% | New and used auto loans for terms of 61 to 84 months. 2025 and newer max term 84 months; Used 2022-2024 max term 72/75 months; Used 2021 max term 66 months. Lower rates apply to well-qualified applicants. |
| up to 60 months | 7.74%–17.49% | Other collateral (60 months): RVs, Boats, Motorcycles, ATVs, 4 Wheelers, equipment, UTVs, and utility trailers. Street-legal motorcycles follow other collateral rates. Lower rates apply to well-qualified applicants. |
Sources (2)
All captured Oct 6, 2026
Who can join Union Square Credit Union
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