Credit union · NCUA insured
Universal 1 Credit Union Auto Loan Rates
Top CarrotUniversal 1 Credit Union auto loans start at 4.54% APR for a new vehicle and 4.54% for a used one. Rates checked October 16, 2026.
How Universal 1 Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dayton, OH, where Universal 1 Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Universal 1 Credit Union
4.54%APR
- Terms
- up to 63 months
- Up to
- 14.06% APR
VIP Auto Loans
2nd-lowest rate
Wright-Patt Credit Union
4.99%APR
- Terms
- up to 63 months
- Up to
- 15.44% APR
3rd-lowest rate
Firefighters & Company Federal Credit Union
5.14%APR
- Terms
- 37–63 months
- Up to
- —
Universal 1 Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.54%
- Used vehicleUsed4.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Universal 1 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.
VIP Auto Loan Refinancing
Offer valid March 17 – June 30, 2026. Refinancing applies to auto loans currently financed with other financial institutions only. Existing U1 loans are not eligible. Rate reduction is up to 2.00% off the borrower's current interest rate, with a minimum rate floor of 3.99% APR. Promotion excludes mortgages, credit cards, merchant loans, and variable rate loans. All loans subject to credit approval, collateral verification, and U1 underwriting. Borrower must meet U1CU membership eligibility. Rates, terms, and conditions vary based on creditworthiness and loan to value (LTV).
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Rate reduction is up to 2.00% off the borrower's current interest rate, with a minimum rate floor of 3.99% APR. Promotional period valid March 17 – June 30, 2026. |
Sources (1)
- u1cu.org/auto-refi · captured Oct 16, 2026
VIP Auto Loans
Available when you allow U1 to service your new or used auto loan from beginning to end. All loans are subject to credit approval and may vary based on creditworthiness and amount financed. Vehicle loans can only be refinanced once every 12 months, and refinancing is subject to approval. APR shown is based on a $25,000 loan with a $40 application fee for 48, 63, 75 & 84 months, respectively.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 4.54%–14.06% | Model year 2025 - Newer. VIP Rates: 4.49% - 13.99%. VIP APR: 4.54% - 14.06%. Dealer APR: 6.55% - 17.36%. |
| 64–75 months | 5.04%–10.30% | Model year 2025 - Newer. VIP Rates: 4.99% - 10.24%. VIP APR: 5.04% - 10.30%. Dealer APR: 6.74% - 14.91%. |
| 76–84 months | 5.54%–10.54% | Model year 2025 - Newer. VIP Rates: 5.49% - 10.49%. VIP APR: 5.54% - 10.54%. Dealer APR: 6.84% - 15.81%. |
| up to 63 months | 5.54%–14.31% | Model year 2019 - 2024. VIP Rates: 5.49% - 14.24%. VIP APR: 5.54% - 14.31%. Dealer APR: 6.85% - 17.36%. |
| 64–75 months | 6.04%–10.55% | Model year 2019 - 2024. VIP Rates: 5.99% - 10.49%. VIP APR: 6.04% - 10.55%. Dealer APR: 6.94% - 16.11%. |
| 76–84 months | 6.54%–11.04% | Model year 2019 - 2024. VIP Rates: 6.49% - 10.99%. VIP APR: 6.54% - 11.04%. Dealer APR: 7.04% - 16.91%. |
| up to 48 months | 8.04%–13.08% | Model year 2015 - 2018. VIP Rates: 7.99% - 12.99%. VIP APR: 8.04% - 13.08%. Dealer APR: 8.08% - 17.04%. |
Sources (1)
- u1cu.org/auto · captured Oct 16, 2026
Who can join Universal 1 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 available to individuals who live, work, worship, or attend school in Butler, Clark, Clinton, Darke, Fayette, Franklin, Greene, Guernsey, Highland, Licking, Miami, Montgomery, Pickaway, Pike, Preble, Ross, Shelby, or Warren County.
Employers and groups
- Eligibility is available to individuals who belong to a select Employee Group (SEG) or work with one of U1's company partners.
Family and household
- Eligibility is available to individuals who have a family member with a U1 account.
Cost to join
- At formation in 1937, seven Charter members each contributed $10.
Membership information collected October 5, 2026.