Credit union · NCUA insured
Unity One Credit Union Auto Loan Rates
Top CarrotUnity One Credit Union auto loans start at 5.29% APR for a new vehicle and 5.29% for a used one. Rates checked October 16, 2026.
How Unity One Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Unity One Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Unity One Credit Union
5.29%APR
- Terms
- up to 66 months
Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
Unity One Credit Union auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Unity One 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.
Auto Loans
Rates quoted as low as and subject to change. Must qualify for the lowest rate. Term of repayment affects monthly payment obligation.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | New and Used Models 2020 and Newer. Must qualify for the lowest rate. |
| up to 48 months | 5.09% | New and Used Models 2020 and Newer. Must qualify for the lowest rate. |
| up to 66 months | 5.29% | New and Used Models 2022 and Newer. Must qualify for the lowest rate. |
| up to 75 months | 5.79% | New and Used Models 2022 and Newer. Must qualify for the lowest rate. |
| up to 36 months | 9.90% | Used Models 2019. Must qualify for the lowest rate. |
Sources (3)
All captured Oct 16, 2026
Motorcycle Loans
APR quoted as low as and are subject to change. Must qualify for the lowest rate. Payments on a Motorcycle Loan of $15,000 financed at 8.85% APR for 60 months would be $310.28 per month or $20.68 per $1,000 borrowed. The term of repayment affects the monthly payment obligation.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.85% | New Models 2024 and Newer. APR quoted as low as and subject to change. Must qualify for the lowest rate. |
| up to 48 months | 10.95% | Used Models 2021 - 2023. APR quoted as low as and subject to change. Must qualify for the lowest rate. |
Sources (1)
- unityone.org/connect/rates · captured Oct 16, 2026
Who can join Unity One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in specified counties in Texas and Kansas, or the greater St. Paul, MN community.
Cost to join
- Membership requires opening a savings (share) account with a $5 minimum balance requirement.
Membership information collected October 5, 2026.