Credit union · NCUA insured
Unity Catholic FCU Auto Loan Rates
Unity Catholic FCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Unity Catholic FCU’s auto loan rates compare
Compared with banks and credit unions near Cleveland, OH, where Unity Catholic FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Unity Catholic FCU
4.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Auto Loans
Lowest rate
Steel Valley Federal Credit Union
3.99%APR
- Terms
- —
- Up to
- 10.99% APR
- Discount
- None included
2nd-lowest rate
Lakeview Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Unity Catholic FCU auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
By vehicle
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Unity Catholic FCU 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
Rates vary by credit history and vehicle age. Terms up to 84 months. A $200 document fee may be financed. Excludes indirect loans or existing UCFCU vehicle financing. Unity Catholic FCU donates $50 to a Catholic School or Parish in the Diocese of Cleveland or Eparchy of Parma for every signed loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.24% | Model Year 2021-2026. Payment example $15 per $1,000. 'As low as' rate includes maximum aggregate discounts of 1.00% (0.25% discount for direct deposit/auto transfer, 0.25% for 10% down payment on vehicle purchase only, 0.25% for e-Statements with home-banking before closing, 0.25% with purchase of GAP, Warranty or Credit Life/Disability Insurance). Minimum loan requirement for the term. Rate and maximum term dependent on credit history and/or age of vehicle. |
| up to 72 months | 5.49% | Model Year 2021-2026. Payment example $17 per $1,000. 'As low as' rate includes maximum aggregate discounts of 1.00% (0.25% discount for direct deposit/auto transfer, 0.25% for 10% down payment on vehicle purchase only, 0.25% for e-Statements with home-banking before closing, 0.25% with purchase of GAP, Warranty or Credit Life/Disability Insurance). Minimum loan requirement for the term. Rate and maximum term dependent on credit history and/or age of vehicle. |
| up to 60 months | 4.99% | Model Year 2021-2026. Payment example $19 per $1,000. 'As low as' rate includes maximum aggregate discounts of 1.00% (0.25% discount for direct deposit/auto transfer, 0.25% for 10% down payment on vehicle purchase only, 0.25% for e-Statements with home-banking before closing, 0.25% with purchase of GAP, Warranty or Credit Life/Disability Insurance). Minimum loan requirement for the term. Rate and maximum term dependent on credit history and/or age of vehicle. |
| up to 48 months | 4.74% | Model Year 2021-2026. Payment example $23 per $1,000. 'As low as' rate includes maximum aggregate discounts of 1.00% (0.25% discount for direct deposit/auto transfer, 0.25% for 10% down payment on vehicle purchase only, 0.25% for e-Statements with home-banking before closing, 0.25% with purchase of GAP, Warranty or Credit Life/Disability Insurance). Minimum loan requirement for the term. Rate and maximum term dependent on credit history and/or age of vehicle. |
| up to 72 months | 6.99% | Model Year 2016-2020. Payment example $18 per $1,000. 'As low as' rate includes maximum aggregate discounts of 1.00% (0.25% discount for direct deposit/auto transfer, 0.25% for 10% down payment on vehicle purchase only, 0.25% for e-Statements with home-banking before closing, 0.25% with purchase of GAP, Warranty or Credit Life/Disability Insurance). Minimum loan requirement for the term. Rate and maximum term dependent on credit history and/or age of vehicle. |
| up to 60 months | 6.00% | Model Year 2016-2020. Payment example $20 per $1,000. 'As low as' rate includes maximum aggregate discounts of 1.00% (0.25% discount for direct deposit/auto transfer, 0.25% for 10% down payment on vehicle purchase only, 0.25% for e-Statements with home-banking before closing, 0.25% with purchase of GAP, Warranty or Credit Life/Disability Insurance). Minimum loan requirement for the term. Rate and maximum term dependent on credit history and/or age of vehicle. |
| up to 48 months | 5.74% | Model Year 2016-2020. Payment example $24 per $1,000. 'As low as' rate includes maximum aggregate discounts of 1.00% (0.25% discount for direct deposit/auto transfer, 0.25% for 10% down payment on vehicle purchase only, 0.25% for e-Statements with home-banking before closing, 0.25% with purchase of GAP, Warranty or Credit Life/Disability Insurance). Minimum loan requirement for the term. Rate and maximum term dependent on credit history and/or age of vehicle. |
| up to 60 months | 8.24% | Model Year 2015 and Older. Payment example $21 per $1,000. 'As low as' rate includes maximum aggregate discounts of 1.00% (0.25% discount for direct deposit/auto transfer, 0.25% for 10% down payment on vehicle purchase only, 0.25% for e-Statements with home-banking before closing, 0.25% with purchase of GAP, Warranty or Credit Life/Disability Insurance). Minimum loan requirement for the term. Rate and maximum term dependent on credit history and/or age of vehicle. |
| up to 48 months | 7.99% | Model Year 2015 and Older. Payment example $25 per $1,000. 'As low as' rate includes maximum aggregate discounts of 1.00% (0.25% discount for direct deposit/auto transfer, 0.25% for 10% down payment on vehicle purchase only, 0.25% for e-Statements with home-banking before closing, 0.25% with purchase of GAP, Warranty or Credit Life/Disability Insurance). Minimum loan requirement for the term. Rate and maximum term dependent on credit history and/or age of vehicle. |
Who can join Unity Catholic FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Catholic Diocese of Cleveland or Byzantine Catholic Eparchy of Parma are eligible to join.
- Organizations or corporate entities of the Catholic Diocese of Cleveland or Byzantine Catholic Eparchy of Parma are eligible to join.
- Members of a church parish of the Catholic Diocese of Cleveland or Byzantine Catholic Eparchy of Parma are eligible to join.
- Persons receiving services or volunteering with outreach organizations of the Catholic Diocese of Cleveland or Byzantine Catholic Eparchy of Parma are eligible to join.
Military, government and schools
- Students in any school or university of the Catholic Diocese of Cleveland or Byzantine Catholic Eparchy of Parma are eligible to join.
Family and household
- Family members of existing Unity Catholic members are eligible to join.
Cost to join
- An initial deposit of $5 is required to open an account.
Membership information collected October 5, 2026.