Credit union · NCUA insured
United Credit Union Auto Loan Rates
Top CarrotUnited Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How United Credit Union’s auto loan rates compare
Compared with banks and credit unions near Mexico, MO, where United Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Credit Union
4.49%APR
- Terms
- —
- Up to
- 17.04% APR
- Discount
- Included in the rate
Secured Loans (2025 and Newer)
2nd-lowest rate
Show Me Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- 16.75% APR
- Discount
- Included in the rate
United Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United 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 Loans (2025 and Newer)
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. Rates above include a 0.25% discount available with Direct Deposit. Add 0.25% for terms 61-72 months or add .50% for terms 73-84 months. Longer terms available, please contact United for rate information. 1% will be added to the rate for non-titled vehicles such as ATVs/UTVs and equipment. Qualified borrowers may borrow up to and over 100% loan to value, rate may be adjusted. Rates stated above are for 2025 and newer secured vehicle loans.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49%–17.04% | Rates determined by credit score (740+ / Grade A+ at 4.49% to 579 & Below / Grade E at 17.04%). Rates include a 0.25% discount available with Direct Deposit. Add 0.25% for terms 61-72 months or add .50% for terms 73-84 months. Rates stated are for 2025 and newer secured vehicle loans. |
Sources (1)
- unitedcu.org/loan-rates · captured Oct 5, 2026
Who can join United Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who work or reside in Adair, Audrain, Boone, Callaway, Chariton, Howard, Lincoln, Linn, Macon, Marion, Monroe, Montgomery, Pike, Ralls, Randolph, or Shelby County.
Cost to join
- An initial deposit of $1.00 into a share (savings) account is required for ownership; there is no membership fee to join.
Membership information collected October 4, 2026.