Credit union · NCUA insured
Universal Federal Credit Union Auto Loan Rates
Universal Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 7.50% for a used one. Rates checked October 22, 2026.
How Universal Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Universal Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Universal Federal Credit Union
4.75%APR
- Terms
- —
- Discount
- None included
New Vehicle
Lowest rate
Peoples Federal Credit Union
4.30%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
2nd-lowest rate
First Priority Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
Universal Federal Credit Union auto loan score
80
Auto loan score
Higher than 53% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed7.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Universal Federal 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 Vehicle
All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. NADA Loan value preferred but some exceptions can be made with GAP insurance added as an alternative solution. Maximum term to be determined by the credit committee with attention to the age of the vehicle.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.75% | Rates may be as low as 4.75%. All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. NADA Loan value preferred but some exceptions can be made with GAP insurance added as an alternative solution. Maximum term to be determined by the credit committee with attention to the age of the vehicle. |
Sources (1)
- universalfcu.com/rates · captured Oct 4, 2026
Used Vehicle
All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. NADA Loan value preferred but some exceptions can be made with GAP insurance added as an alternative solution. Maximum term to be determined by the credit committee with attention to the age of the vehicle.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.50% | Rates may be as low as 7.50%. All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. NADA Loan value preferred but some exceptions can be made with GAP insurance added as an alternative solution. Maximum term to be determined by the credit committee with attention to the age of the vehicle. |
Sources (1)
- universalfcu.com/rates · captured Oct 4, 2026
Who can join Universal Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, goes to school, worships, volunteers, or belongs to an association in Cabell County or Wayne County in West Virginia, or Lawrence County in Ohio is eligible for membership.
Military, government and schools
- School employees in Mason and Lincoln Counties in West Virginia are eligible for membership.
Membership information collected October 4, 2026.