Credit union · NCUA insured
UNOFCU Auto Loan Rates
UNOFCU auto loan rates start at 4.49% APR. Rates checked October 16, 2026.
How UNOFCU’s auto loan rates compare
Compared with banks and credit unions near New Orleans, LA, where UNOFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UNOFCU
– –
- Terms
- —
- Discount
- —
No ongoing APR published
Lowest rate
Post Office Employees Credit Union
2.74%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
Instep Credit Union
3.75%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
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.
Vehicle Loan Refinance
Receive an automatic 3% OFF as low as 4.49% APR on approved refinances. Rates and terms based on credit criteria and may change based on LTV, term, credit and relationship with UNOFCU. Loans currently held by UNOFCU are not eligible for refinance with this offer.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Automatic 3% off on approved refinances; minimum loan amount $7,500; no maximum. Excludes auto loans currently financed with UNOFCU. |
Sources (1)
- unofcu.org/refinance-discount · captured Oct 7, 2026
Vehicle Loans (New • Used • Refinance)
Rate based on creditworthiness, credit criteria, LTV, and term of loan. Rate not to fall below 4.99% APR. Excludes auto loans currently financed with UNOFCU.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | As low as 4.49% APR. Rate not to fall below 4.99% APR. All loan approvals based on standard underwriting guidelines and/or automated credit-scoring benchmarks. Excludes auto loans currently financed with UNOFCU. |
Who can join UNOFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents, employers, employees, and individuals who worship or attend school in St. Bernard Parish and Orleans Parish are eligible to join.
Military, government and schools
- Alumni of the University of New Orleans are eligible to join UNOFCU.
- Faculty and staff of the university community are eligible to join UNOFCU.
- Currently enrolled international students at LSU New Orleans are eligible for membership.
- Current and transfer students of LSU New Orleans / University of New Orleans are eligible to join.
Family and household
- Parents of LSU New Orleans students may open an account or be a joint member with their student.
Cost to join
- A $5.00 membership fee is waived for international students.
- A $5.00 membership fee is standard but waived for incoming and transfer students.
Membership information collected October 5, 2026.