Credit union · NCUA insured
United Community Credit Union Auto Loan Rates
United Community Credit Union auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How United Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Quincy, IL-MO, where United Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Community Credit Union
4.99%APR
- Terms
- up to 84 months
- Up to
- 13.24% APR
Auto Loans
Lowest rate
Members First Community CU
4.99%APR
- Terms
- 60+ months
- Up to
- 21.99% APR
United Community Credit Union auto loan score
78
Auto loan score
Higher than 47% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Community 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.
Auto Loans
Effective as of 2/1/2026. Applicants must meet UCCU credit guidelines. Up to 115% NADA Retail Value. Add 0.50% if term is >72 months. Does not apply to existing loan balances. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99%–13.24% | Model years 2026-2024. Up to 115% NADA Retail Value. Add 0.50% if term is >72 months. |
| up to 60 months | 5.99%–14.24% | Model years 2021-2017. Up to 115% NADA Retail Value. |
| up to 60 months | 6.99%–15.24% | Model years 2016 and older. Up to 115% NADA Retail Value. |
Who can join United Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.