Credit union · NCUA insured
UPS Employees Credit Union Auto Loan Rates
UPS Employees Credit Union auto loans start at 4.49% APR for a new vehicle and 5.99% for a used one. Rates checked October 15, 2026.
How UPS Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where UPS Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UPS Employees Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
New Vehicle Loans
Lowest rate
SecurCommunity Federal Credit Union
3.90%APR
- Terms
- 1–60 months
- Discount
- None included
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
UPS Employees Credit Union auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UPS Employees 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 Loans
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness. Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 4.49%–12.50% | Daily Periodic Rate: 0.012% – 0.032%. Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness. Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR. |
| up to 60 months | 4.49% | New Auto Loans 4.49% Loan Promotion for 60 Month New Vehicle Loans. |
Used Vehicle Loans
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness. Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
| Terms | APR | Conditions |
|---|---|---|
| 48–72 months | 5.99%–14.50% | Daily Periodic Rate: 0.016% – 0.034%. Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness. Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR. |
Who can join UPS Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of UPS who work in Tennessee, Mississippi, Arkansas, Kentucky, Georgia, Virginia, Missouri or Alabama are eligible to join.
Family and household
- Family members of UPS Employees who work in Tennessee, Mississippi, Arkansas, Kentucky, Georgia, Virginia, Missouri or Alabama are eligible to join.
Cost to join
- A deposit of $25.00 is required to open an account and become a member.
Membership information collected October 5, 2026.