Bank · FDIC insured
Union State Bank Auto Loan Rates
Union State Bank auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Union State Bank’s auto loan rates compare
Compared with banks and credit unions near Arkansas City, KS, where Union State Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Union State Bank
5.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loan Special
Lowest rate
Mid American Credit Union
4.99%APR
- Terms
- up to 63 months
- Discount
- Included in the rate
Union State Bank auto loan score
61
Auto loan score
Higher than 5% of U.S. banks and credit unions
- New vehicleNew5.50%
- 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 Union State 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.
Auto Loan Special
Consumer title-secured auto loan special beginning 7/1/2024 for a limited time on new and used 2020 and newer cars and trucks. Up to 60-month, 100% financing available for 2020-2025/new models. Requires credit approval and credit score of 680 or higher. Not available for refinance of existing USB Loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50% | APR includes 1.73% discount for auto debit from any USB Checking account (rate could increase if auto payment is cancelled, balance does not support payments, or account is closed). APR of 5.50% based on 7.00% interest rate less discount for 60 months, $25,000 principal balance and $142.50 in loan fees. Requires credit score of 680 or higher. |
Sources (1)
- myunionstate.bank/auto-loan-special · captured Oct 7, 2026
Opening an account
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