Credit union · NCUA insured
UW Credit Union Auto Loan Rates
Top CarrotUW Credit Union auto loans start at 5.77% APR for a new vehicle and 5.92% for a used one. Rates checked October 16, 2026.
How UW Credit Union’s auto loan rates compare
Compared with banks and credit unions near Madison, WI, where UW Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UW Credit Union
5.77%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto Loans
Lowest rate
Bank of Sun Prairie
4.70%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
2nd-lowest rate
Madison Fire Department Credit Union
4.87%APR
- Terms
- up to 60 months
- Discount
- None included
UW Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.77%
- Used vehicleUsed5.92%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UW 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 Auto Loans
Standard underwriting criteria will apply. Rates are subject to change. Minimum loan amount is $1,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.47% | APR as low as 5.47%. Monthly payment per $1,000 borrowed is $23.13. Minimum loan amount $1,000. |
| up to 60 months | 5.77% | APR as low as 5.77%. Monthly payment per $1,000 borrowed is $19.11. Minimum loan amount $1,000. |
| up to 72 months | 5.92% | APR as low as 5.92%. Monthly payment per $1,000 borrowed is $16.42. Minimum loan amount $1,000. |
| up to 84 months | 6.88% | APR as low as 6.88%. Monthly payment per $1,000 borrowed is $14.91. Minimum loan amount $1,000. |
Sources (1)
- uwcu.org/rates/vehicle-loans · captured Oct 5, 2026
Used Auto Loans
Standard underwriting criteria will apply. Rates are subject to change. Minimum loan amount is $1,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.47% | APR as low as 5.47%. Monthly payment per $1,000 borrowed is $30.07. Minimum loan amount $1,000. |
| up to 48 months | 5.67% | APR as low as 5.67%. Monthly payment per $1,000 borrowed is $23.22. Minimum loan amount $1,000. |
| up to 60 months | 5.92% | APR as low as 5.92%. Monthly payment per $1,000 borrowed is $19.18. Minimum loan amount $1,000. |
| up to 72 months | 6.98% | APR as low as 6.98%. Monthly payment per $1,000 borrowed is $16.92. Minimum loan amount $1,000. |
Sources (1)
- uwcu.org/rates/vehicle-loans · captured Oct 5, 2026
Vehicle Loan Refinance
Promotion: 90 days no payment & no interest. Minimum loan amount is $7,500. Loan must be funded on or after 9/1/26, and application received by 12/30/26. Existing UW Credit Union loans are not eligible. Promotion is for refinanced auto loans only. Standard underwriting criteria apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.47% | Refinance rate as low as 5.47% APR. Special offer: 90 days no payment and no interest (for applications received by 12/30/26, funded on or after 9/1/26; min loan $7,500). New vehicle classified as model year 2024, 2025, 2026, 2027. |
| up to 36 months | 5.47% | Refinance rate as low as 5.47% APR. Special offer: 90 days no payment and no interest (for applications received by 12/30/26, funded on or after 9/1/26; min loan $7,500). Used vehicle classified as model year 2023 or earlier. |
Sources (2)
All captured Oct 5, 2026
Who can join UW Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work or attend school within 5 miles of any branch location are eligible for membership.
Employers and groups
- Current and former employees of listed affiliated organizations and select employers are eligible for membership.
Military, government and schools
- Wisconsin residents who are currently enrolled at or have previously attended any accredited institution of higher education worldwide are eligible for membership.
- Employees, students, and alumni of listed University of Wisconsin schools, colleges, and extensions are eligible for membership.
Family and household
- Immediate family members (spouse, parent, child, stepchild, stepparent, grandparent, grandchild, sibling, adoptive parent/child) of any eligible person, or persons of the same residence maintaining a single economic unit, are eligible for membership.
Membership information collected October 5, 2026.