Credit union · NCUA insured
UP Federal Credit Union Auto Loan Rates
UP Federal Credit Union auto loans start at 5.94% APR for a new vehicle and 5.94% for a used one. Rates checked October 22, 2026.
How UP Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Little Rock, AR, where UP Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UP Federal Credit Union
5.94%APR
- Terms
- up to 84 months
- Up to
- 18.00% APR
- Discount
- None included
Auto Loan
Lowest rate
Telcoe Federal Credit Union
3.74%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
UP Federal Credit Union auto loan score
67
Auto loan score
Higher than 20% of U.S. banks and credit unions
- New vehicleNew5.94%
- Used vehicleUsed5.94%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UP 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.
Auto Loan
Available for new, used (model years 2010-2026), or refinance of cars, trucks, vans, and SUVs. Dealer direct financing available. Rate determined by creditworthiness criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.94%–18.00% | Rates determined by creditworthiness criteria; applies to model years 2010-2026. |
Who can join UP 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Any Arkansas resident qualifies for membership through UPFCU's partnership with the Arkansas Consumer Council (ARCC), with dues paid by the credit union.
Employers and groups
- Employees of participating companies that offer credit union membership can join.
Family and household
- Immediate family members of members are eligible for membership.
Cost to join
- An opening deposit of $5 to a share/savings account is required to join.
Membership information collected October 4, 2026.