Credit union · NCUA insured
Unity Financial Credit Union Auto Loan Rates
Unity Financial Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Unity Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near New Haven, CT, where Unity Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Unity Financial Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
New Autos: 2025 - 2026, Demos < 10,000 Miles
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
MSCU
4.49%APR
- Terms
- —
- Discount
- None included
Unity Financial Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- 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 Financial 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.
New Autos: 2025 - 2026, Demos < 10,000 Miles
100% Financing Offered on purchases of New and Used Vehicles, based on NADA retail values and creditworthiness. Refinancing of vehicle loan at another financial institution and lease buy-out also available. Your rate may vary from the stated rate and will be determined by your credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75% | Terms of Repayment Example: 48 monthly payments of $22.92 per $1,000 borrowed at 4.75% APR. |
| up to 60 months | 4.99% | Terms of Repayment Example: 60 monthly payments of $18.87 per $1,000 borrowed at 4.99% APR. |
| up to 72 months | 5.25% | Terms of Repayment Example: 72 monthly payments of $16.22 per $1,000 borrowed at 5.25% APR. |
| up to 84 months | 5.49% | Terms of Repayment Example: 84 monthly payments of $14.37 per $1,000 borrowed at 5.49% APR. |
Sources (1)
- unityfincu.org/Rates/Loan-Rates · captured Oct 7, 2026
Used Autos: 2016 & Older
100% Financing Offered on purchases of New and Used Vehicles, based on NADA retail values and creditworthiness. Refinancing of vehicle loan at another financial institution and lease buy-out also available. Your rate may vary from the stated rate and will be determined by your credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.10% | — |
Sources (1)
- unityfincu.org/Rates/Loan-Rates · captured Oct 7, 2026
Used Autos: 2017 - 2025
100% Financing Offered on purchases of New and Used Vehicles, based on NADA retail values and creditworthiness. Refinancing of vehicle loan at another financial institution and lease buy-out also available. Your rate may vary from the stated rate and will be determined by your credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75% | — |
| up to 60 months | 4.99% | — |
| up to 72 months | 5.25% | — |
Sources (1)
- unityfincu.org/Rates/Loan-Rates · captured Oct 7, 2026
Used Autos: Classic 20+ Years
100% Financing Offered on purchases of New and Used Vehicles, based on NADA retail values and creditworthiness. Refinancing of vehicle loan at another financial institution and lease buy-out also available. Your rate may vary from the stated rate and will be determined by your credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.60% | — |
Sources (1)
- unityfincu.org/Rates/Loan-Rates · captured Oct 7, 2026
Who can join Unity Financial Credit Union
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