Credit union · NCUA insured
Wayne County Community Federal Credit Union Auto Loan Rates
Top CarrotWayne County Community Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Wayne County Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Wooster, OH, where Wayne County Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wayne County Community Federal Credit Union
4.24%APR
- Terms
- 49–60 months
New Automobile or Truck
2nd-lowest rate
Greater Wayne Community FCU
4.49%APR
- Terms
- up to 78 months
3rd-lowest rate
Everence
4.74%APR
- Terms
- up to 60 months
Wayne County Community Federal Credit Union auto loan score
91
Auto loan score
Higher than 91% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wayne County Community 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.
Motorcycle
Rate discounts available for members with direct deposit, auto pay from a WCCFCU deposit account, and/or enrollment in Home Banking & eStatements.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.74% | Model Year 2026-2025; + 0.50% > 5,000 miles |
| — | 8.24% | Model Year 2024-2023 |
| — | 8.74% | Model Year 2022-2021 |
| — | 9.74% | Model Year 2020-2017 |
Sources (1)
- wccfcu.com/rates · captured Oct 16, 2026
New Automobile or Truck
Rates based on credit score/creditworthiness, LTV, vehicle age, and mileage. WCCFCU does not finance salvage, rebuilt, or dealer buy-back titles. In most cases, add 1% to loans where the vehicle has 100,000 miles or more. Borrowers must be 18 years of age or older. Vehicles used primarily as 'for hire' transport (e.g. Uber, Lyft) will not qualify. Cosigners need credit score of 650 or higher and membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | 2022 & 2023 <20,000 Miles |
| 37–48 months | 3.99% | 2022 & 2023 <20,000 Miles |
| 49–60 months | 4.24% | 2022 & 2023 <20,000 Miles |
| 61–72 months | 4.49% | 2022 & 2023 <20,000 Miles; $25,000 and up |
| 73–84 months | 4.74% | 2022 & 2023 <20,000 Miles; $25,000 and up |
New Motorcycle
Rates based on credit score/creditworthiness, LTV, vehicle age, and mileage. WCCFCU does not finance salvage, rebuilt, or dealer buy-back titles. Rates subject to change without notice. All rates advertised are best qualifying rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | 2022 & 2023 <5,000 Miles |
| 37–48 months | 4.99% | 2022 & 2023 <5,000 Miles |
| 49–60 months | 5.74% | 2022 & 2023 <5,000 Miles |
Sources (1)
- wccfcu.com/current-rates-copy · captured Oct 16, 2026
Used Automobile or Truck
Rates based on credit score/creditworthiness, LTV, vehicle age, and mileage. WCCFCU does not finance salvage, rebuilt, or dealer buy-back titles. In most cases, add 1% to loans where the vehicle has 100,000 miles or more. Borrowers must be 18 years of age or older. Vehicles used primarily as 'for hire' transport (e.g. Uber, Lyft) will not qualify. Cosigners need credit score of 650 or higher and membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Rate will vary based on model year and mileage |
| 37–48 months | 4.49% | Rate will vary based on model year and mileage |
| 49–60 months | 4.74% | Rate will vary based on model year and mileage |
| 61–72 months | 4.99% | Rate will vary based on model year and mileage; $25,000 and up |
| 73–84 months | 5.24% | Rate will vary based on model year and mileage; $25,000 and up |
Used Motorcycle
Rates based on credit score/creditworthiness, LTV, vehicle age, and mileage. WCCFCU does not finance salvage, rebuilt, or dealer buy-back titles. Rates subject to change without notice. All rates advertised are best qualifying rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Rate will vary based on model year and mileage |
| 37–48 months | 5.49% | Rate will vary based on model year and mileage |
| 49–60 months | 6.24% | Rate will vary based on model year and mileage |
Sources (1)
- wccfcu.com/current-rates-copy · captured Oct 16, 2026
Vehicles
Risk Based Pricing based on creditworthiness, terms, vehicle age and mileage. Borrowers must be 18 years of age or older. In most cases, add 1% to loans where the vehicle has 100,000 miles or more. No autos with salvage or rebuilt titles. Cosigners must be eligible for membership and have a credit score of 650 or higher. For-hire transport vehicles (Uber, Lyft) do not qualify. Borrowers may add up to 6 months to term to assist financing Route 66 Vehicle Warranty. Rate discounts available for members with direct deposit, auto pay from a WCCFCU deposit account, and/or enrollment in Home Banking & eStatements.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Model Year 2026-2025 < 20K miles |
| — | 5.24% | Model Year 2026-2025 > 20K miles |
| — | 5.49% | Model Year 2024-2023 |
| — | 5.99% | Model Year 2022-2021 |
| — | 6.49% | Model Year 2020-2017 |
Who can join Wayne County Community 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
- Anyone who lives, works, worships, or attends school in Wayne County, Ohio is eligible for membership.
Family and household
- Immediate family members (sibling, parent, child, or spouse) of a current Wayne County Community Federal Credit Union member are eligible for membership.
Cost to join
- A $5 initial deposit is required to open a savings account and establish a membership share.
Membership information collected October 5, 2026.