Credit union · NCUA insured
Utilities Employees Credit Union Auto Loan Rates
Top CarrotUtilities Employees Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Utilities Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Reading, PA, where Utilities Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Utilities Employees Credit Union
4.99%APR
- Terms
- 37–60 months
Auto Loans
Lowest rate
Discovery Federal Credit Union
4.84%APR
- Terms
- 49–60 months
3rd-lowest rate
Sun Federal Credit Union
5.24%APR
- Terms
- 1–75 months
Utilities Employees Credit Union 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 Utilities 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.
Auto Loans
Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates vary based on creditworthiness, term, loan-to-value, and collateral/model year evaluation. Refinancing existing UECU auto loans is not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | 2022 and newer models (new or used). Requires active UECU Checking Account with at least 1 transaction/month. |
| 37–60 months | 4.99% | 2022 and newer models (new or used). Requires active UECU Checking Account with at least 1 transaction/month. |
| 61–72 months | 5.49% | 2022 and newer models (new or used). Requires active UECU Checking Account with at least 1 transaction/month. |
| 73–84 months | 5.99% | 2024 and newer models. Requires active UECU Checking Account with at least 1 transaction/month. |
| up to 36 months | 5.24% | 2019 to 2021 models. Requires active UECU Checking Account with at least 1 transaction/month. |
| 37–60 months | 5.49% | 2019 to 2021 models. Requires active UECU Checking Account with at least 1 transaction/month. |
| up to 36 months | 7.99% | 2018 and older models. Requires active UECU Checking Account with at least 1 transaction/month. |
| 37–60 months | 8.99% | 2018 and older models. Requires active UECU Checking Account with at least 1 transaction/month. |
Who can join Utilities Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of Pennsylvania can join UECU through the Pennsylvania Consumer Council (PACC).
Employers and groups
- Employees and retirees of UECU's Partner Companies are eligible for membership.
Family and household
- Spouses, domestic partners, children and stepchildren, grandchildren, parents and stepparents, and siblings of existing UECU members are eligible to join.
Cost to join
- Membership in UECU is free with no cost to join.
Membership information collected October 5, 2026.