Credit union · NCUA insured
United Consumers Credit Union Auto Loan Rates
Top CarrotUnited Consumers Credit Union auto loans start at 5.09% APR for a new vehicle and 5.09% for a used one. Rates checked October 16, 2026.
How United Consumers Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where United Consumers Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Consumers Credit Union
5.09%APR
- Terms
- —
Secured Auto Loan
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
United Consumers Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew5.09%
- Used vehicleUsed5.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Consumers 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.
Secured Auto Loan
Rates and terms are subject to member eligibility, creditworthiness, model year and other factors. The maximum loan to value is 120% of the purchase price. Loans greater than 60 months and less than 72 months must exceed $15,000. Loans greater than 72 months and less than 84 months must exceed $20,000. Loans greater than 84 months and less than 96 months must exceed $50,000. Loans greater than 96 months must exceed $75,000. Minimum annual principal repayments $1,000. Contact the credit union for complete loan details.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.09% | Model Year 2024 – 2026 |
| — | 5.34% | Model Year 2021 – 2023 |
| — | 6.04% | Model Year 2018 – 2020 |
| — | 6.84% | Model Year 2014 – 2017 |
Sources (1)
- uccumo.com/financial-tools/rates · captured Oct 7, 2026
Who can join United Consumers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to join if you live, work, worship, or attend school in Johnson County or Wyandotte County, Kansas.
- Eligible to join if you live or work in Jackson, Buchanan, Cass, Clay, Johnson, Lafayette, Platte, or Ray County, Missouri.
Employers and groups
- Eligible to join as an employee or retiree of partner Select Employee Groups across Health & Home Care, Industrial Business, Religious, Retirement Community, and Specialty Business groups.
Military, government and schools
- Eligible to join as an employee or retiree of affiliated Educational Groups including Adam & Eve Cosmetology, Fort Osage School District, and Kids Kastle.
- Eligible to join as an employee or retiree of qualifying City, County, & Government groups, including United States Government Employees, Active and Reserve Military and veterans (including affiliated organizations), Postal Employees, and participating city and county governments.
Family and household
- Immediate family members of current accountholders and eligible persons (including spouse, sibling, parent, grandparent, child, or grandchild) are eligible to join.
Cost to join
- Membership requires maintaining a $5 balance (one share) in a share savings account.
Membership information collected October 4, 2026.