Credit union · NCUA insured
UnitedOne Credit Union Auto Loan Rates
Top CarrotUnitedOne 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 UnitedOne Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sheboygan, WI, where UnitedOne Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UnitedOne Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft)
Lowest rate
Sheboygan Area CU
4.25%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Meadowland Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
UnitedOne 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 UnitedOne 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 (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft)
Rate applies to Auto, Motorcycle, ATV, Snowmobile and Personal Watercraft. Your credit score, loan term, loan-to-value, year of Auto, Motorcycle, ATV, Snowmobile/Personal Watercraft and account relationship determine your rate. Rate stated is for borrowers with excellent credit history and a 2023 or newer vehicle and includes a .25% discount for automatic payments plus a .25% Relationship Rewards discount when you finance a minimum of $5,000.00 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000.00 borrowed are $22.04 per month at 4.49% APR for 60 months with optional payment protection. First payment may be deferred for 90 days on select vehicle loans. Finance charges begin accruing when loan is funded. Great Payment Escape promotion: enjoy 90 days with no loan payments (no payments until 2027) on qualifying vehicle loans (terms up to 84 months), valid October 13 through October 30, 2026. Loans subject to credit approval. Membership eligibility required. Other rates and terms available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49% | 2023 and Newer. Monthly payment per $1,000 is $22.04 with optional payment protection. Rate includes .25% autopay discount and .25% Relationship Rewards discount with $5,000 min new money and checking with direct deposit. |
| up to 72 months | 5.24% | 2023 and Newer. Monthly payment per $1,000 is $19.69. Rate includes .25% autopay discount and .25% Relationship Rewards discount with $5,000 min new money and checking with direct deposit. |
| up to 84 months | 6.24% | 2023 and Newer. Monthly payment per $1,000 is $18.33. Rate includes .25% autopay discount and .25% Relationship Rewards discount with $5,000 min new money and checking with direct deposit. |
| up to 48 months | 5.49% | 2018-2020. Monthly payment per $1,000 is $26.76. |
| up to 36 months | 6.99% | 2016-2017. Monthly payment per $1,000 is $34.59. |
| up to 24 months | 6.99% | 2006-2015. Monthly payment per $1,000 is $48.74. |
| up to 24 months | 8.99% | 2005 or older. Monthly payment per $1,000 is $49.87. |
Sources (1)
- unitedone.org/borrow/auto/vehicle-loans · captured Oct 16, 2026
Who can join UnitedOne 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 Manitowoc, Sheboygan, Kewaunee, or Door counties are eligible to join.
Family and household
- Immediate family members of individuals who live or work in Manitowoc, Sheboygan, Kewaunee, or Door counties are eligible to join.
Cost to join
- An additional $25 deposit is required for a checking account if ordering checks.
- Opening a Primary Share Savings account requires a minimum share deposit of $5.
Membership information collected October 5, 2026.