Credit union · NCUA insured
UNITE Credit Union Auto Loan Rates
UNITE Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How UNITE Credit Union’s auto loan rates compare
Compared with banks and credit unions near Waterloo, IA, where UNITE Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UNITE Credit Union
4.64%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New & Used Auto Loans
Lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Community Choice Credit Union
4.52%APR
- Terms
- 37–66 months
- Discount
- None included
UNITE Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UNITE 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 Loans
All loans subject to approval. Rates updated 08/01/2026. Rate may vary based on creditworthiness, qualifications, and collateral. 100% of NADA Retail (RTL). Relationship Rate requires member to have at least three qualifying services (GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit of Payroll min $200, or Automatic Payments); member will lose discount if cancel or terminate any qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.79% | 2024 or Newer; 100% of NADA Retail |
| up to 48 months | 4.54% | 2024 or Newer; Relationship Rate (requires 3 qualifying services) |
| up to 60 months | 4.89% | 2024 or Newer; 100% of NADA Retail |
| up to 60 months | 4.64% | 2024 or Newer; Relationship Rate (requires 3 qualifying services) |
| 61–72 months | 4.99% | 2024 or Newer; 100% of NADA Retail |
| 61–72 months | 4.74% | 2024 or Newer; Relationship Rate (requires 3 qualifying services) |
| up to 84 months | 5.09% | 2024 or Newer; 100% of NADA Retail |
| up to 84 months | 4.84% | 2024 or Newer; Relationship Rate (requires 3 qualifying services) |
| up to 48 months | 4.89% | 2023; 100% of NADA Retail (RTL) |
| up to 48 months | 4.64% | 2023; Relationship Rate (requires 3 qualifying services) |
| up to 60 months | 4.99% | 2023; 100% of NADA Retail (RTL) |
| up to 60 months | 4.74% | 2023; Relationship Rate (requires 3 qualifying services) |
| up to 72 months | 5.09% | 2023; 100% of NADA Retail (RTL) |
| up to 72 months | 4.84% | 2023; Relationship Rate (requires 3 qualifying services) |
| up to 84 months | 5.19% | 2023; 100% of NADA Retail (RTL) |
| up to 84 months | 4.94% | 2023; Relationship Rate (requires 3 qualifying services) |
| up to 48 months | 4.99% | 2022; 100% of NADA Retail (RTL) |
| up to 48 months | 4.74% | 2022; Relationship Rate (requires 3 qualifying services) |
| up to 60 months | 5.09% | 2022; 100% of NADA Retail (RTL) |
| up to 60 months | 4.84% | 2022; Relationship Rate (requires 3 qualifying services) |
| up to 72 months | 5.19% | 2022; 100% of NADA Retail (RTL) |
| up to 72 months | 4.94% | 2022; Relationship Rate (requires 3 qualifying services) |
| up to 84 months | 5.39% | 2022; 100% of NADA Retail (RTL) |
| up to 84 months | 5.14% | 2022; Relationship Rate (requires 3 qualifying services) |
| up to 48 months | 5.09% | 2021; 100% of NADA Retail (RTL) |
| up to 48 months | 4.84% | 2021; Relationship Rate (requires 3 qualifying services) |
| up to 60 months | 5.19% | 2021; 100% of NADA Retail (RTL) |
| up to 60 months | 4.94% | 2021; Relationship Rate (requires 3 qualifying services) |
| up to 72 months | 5.39% | 2021; 100% of NADA Retail (RTL) |
| up to 72 months | 5.14% | 2021; Relationship Rate (requires 3 qualifying services) |
| up to 48 months | 5.19% | 2020; 100% of NADA Retail (RTL) |
| up to 48 months | 4.94% | 2020; Relationship Rate (requires 3 qualifying services) |
| up to 60 months | 5.29% | 2020; 100% of NADA Retail (RTL) |
| up to 60 months | 5.04% | 2020; Relationship Rate (requires 3 qualifying services) |
| up to 72 months | 5.49% | 2020; 100% of NADA Retail (RTL) |
| up to 72 months | 5.24% | 2020; Relationship Rate (requires 3 qualifying services) |
| up to 48 months | 5.29% | 2019; 100% of NADA Retail (RTL) |
| up to 48 months | 5.04% | 2019; Relationship Rate (requires 3 qualifying services) |
| up to 60 months | 5.39% | 2019; 100% of NADA Retail (RTL) |
| up to 60 months | 5.14% | 2019; Relationship Rate (requires 3 qualifying services) |
| up to 72 months | 5.59% | 2019; 100% of NADA Retail (RTL) |
| up to 72 months | 5.34% | 2019; Relationship Rate (requires 3 qualifying services) |
| up to 36 months | 5.39% | 2018; 100% of NADA Retail (RTL) |
| up to 36 months | 5.14% | 2018; Relationship Rate (requires 3 qualifying services) |
| up to 48 months | 5.49% | 2018; 100% of NADA Retail (RTL) |
| up to 48 months | 5.24% | 2018; Relationship Rate (requires 3 qualifying services) |
| up to 66 months | 5.69% | 2018; 100% of NADA Retail (RTL) |
| up to 66 months | 5.44% | 2018; Relationship Rate (requires 3 qualifying services) |
| up to 36 months | 5.49% | 2017; 100% of NADA Retail (RTL) |
| up to 36 months | 5.24% | 2017; Relationship Rate (requires 3 qualifying services) |
| up to 48 months | 5.59% | 2017; 100% of NADA Retail (RTL) |
| up to 48 months | 5.34% | 2017; Relationship Rate (requires 3 qualifying services) |
| up to 60 months | 5.69% | 2017; 100% of NADA Retail (RTL) |
| up to 60 months | 5.44% | 2017; Relationship Rate (requires 3 qualifying services) |
Titled Vehicles/Classic Automobiles
2016 and older vehicles. 100% of NADA Retail (RTL). If vehicle is 10+ years old, full insurance coverage is required. If vehicle is purchased through private sale, credit union must complete visual inspection. Relationship Rate requires member to have at least three qualifying services (GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit of Payroll min $200, or Automatic Payments); member will lose discount if cancel or terminate any qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.54% | 2016 and older; 100% of NADA Retail (RTL) |
| up to 36 months | 7.29% | 2016 and older; Relationship Rate (requires 3 qualifying services) |
| up to 48 months | 7.59% | 2016 and older; 100% of NADA Retail (RTL) |
| up to 48 months | 7.34% | 2016 and older; Relationship Rate (requires 3 qualifying services) |
| up to 60 months | 7.79% | 2016 and older; 100% of NADA Retail (RTL) |
| up to 60 months | 7.54% | 2016 and older; Relationship Rate (requires 3 qualifying services) |
Sources (1)
- unite-cu.org/rates · captured Oct 16, 2026
Who can join UNITE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in the Iowa counties of Black Hawk, Butler, Bremer and Grundy are eligible for membership.
Employers and groups
- Employees and retirees of MidAmerican Energy are eligible for membership.
Military, government and schools
- Employees, students, alumni and faculty of the Cedar Falls School District are eligible for membership.
- Employees, faculty, alumni and students of the University of Northern Iowa are eligible for membership.
Family and household
- Families of MidAmerican Energy employees and retirees are eligible for membership.
Membership information collected October 4, 2026.