Credit union · NCUA insured
UTFCU Auto Loan Rates
UTFCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How UTFCU’s auto loan rates compare
Compared with banks and credit unions near Toledo, OH, where UTFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UTFCU
4.99%APR
- Terms
- up to 84 months
New & Pre-Owned Auto Loans
Lowest rate
Millstream Area Credit Union
4.50%APR
- Terms
- —
2nd-lowest rate
Cornerstone Community Financial Credit Union
4.69%APR
- Terms
- 40–64 months
UTFCU auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UTFCU 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 & Pre-Owned Auto Loans
Up to 110% financing. Fixed-rate terms up to seven years. Mechanical Repair Coverage and GAP available. No pre-payment penalties. Rate based on creditworthiness and term of loan. Usury limit set by NCUA is 18% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Model year 2025-2026 (new/untitled) |
| up to 72 months | 4.99% | Model year 2024 (over $15,000) |
| up to 60 months | 4.99% | Model years 2019-2023 |
| up to 48 months | 4.99% | Model years 2016-2018 |
Who can join UTFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the University of Toledo Alumni Association can join the credit union (non-alumni may join the Alumni Association to qualify).
Military, government and schools
- Faculty, staff, physicians, residents, and students of the University of Toledo are eligible to join the credit union.
Family and household
- Direct family members (mom, dad, brother, sister, son, and daughter) of an existing UTFCU member are eligible to join.
Cost to join
- A minimum of $5.00 Membership Share deposit is required for UTFCU membership.
Membership information collected October 5, 2026.