Credit union · NCUA insured
WEA Credit Union Auto Loan Rates
WEA Credit Union auto loans start at 5.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How WEA Credit Union’s auto loan rates compare
Compared with banks and credit unions near Madison, WI, where WEA Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
WEA Credit Union
5.25%APR
- Terms
- up to 60 months
- Discount
- None included
Auto & Motorcycle 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
WEA Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where WEA 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 & Motorcycle Loans
Membership required. Rates determined by credit score. WEAC members receive 0.50% discount. Premiere Checking + Direct Deposit receives 0.25% discount. Motorcycles are the same as auto loan rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.75% | Vehicle: New. Never registered or titled. Restrictions apply. Payment per $1,000 is $43.76. |
| up to 36 months | 5.00% | Vehicle: New. Payment per $1,000 is $29.98. |
| up to 48 months | 5.00% | Vehicle: New. Payment per $1,000 is $23.03. |
| up to 60 months | 5.25% | Vehicle: New. Payment per $1,000 is $18.99. |
| up to 72 months | 5.50% | Vehicle: New. Payment per $1,000 is $16.34. |
| up to 84 months | 6.50% | Vehicle: New. 84 month loan minimum $28,000. Payment per $1,000 is $14.86. |
| up to 36 months | 5.25% | Vehicle: 2017-2025. Payment per $1,000 is $30.09. |
| up to 48 months | 5.50% | Vehicle: 2017-2025. Payment per $1,000 is $23.26. |
| up to 60 months | 5.50% | Vehicle: 2017-2025. Payment per $1,000 is $19.11. |
| up to 72 months | 6.00% | Vehicle: 2017-2025. Payment per $1,000 is $16.58. |
| up to 36 months | 7.25% | Vehicle: 2016 & Older. Payment per $1,000 is $31.00. |
| up to 48 months | 7.50% | Vehicle: 2016 & Older. Payment per $1,000 is $24.18. |
| up to 60 months | 7.50% | Vehicle: 2016 & Older. Payment per $1,000 is $20.04. |
| up to 72 months | 8.00% | Vehicle: 2016 & Older. Payment per $1,000 is $17.54. |
Sources (1)
- weacu.com/loans · captured Oct 5, 2026
Refinance Your Vehicle Loan
Refinance vehicle loan. Rates and terms based on creditworthiness, loan-to-value, and age of the vehicle. Membership eligibility required. Current WEA CU loans are not eligible for this offer.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50% | Refinance example on a 60-month, $30,000 vehicle loan. Monthly payment $573.10. Interest $4,385.49. |
Sources (1)
- weacu.com/refinance-your-vehicle-loan · captured Oct 5, 2026
Who can join WEA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person that lives or works within a 10-mile radius of any WEA Credit Union office is eligible for membership.
Employers and groups
- Members, employees, and retirees of the Wisconsin Education Association Council are eligible for membership.
- Members, employees, and retirees of WEA, Inc. are eligible for membership.
- Employees and retirees of the WEA Insurance Trust and any of its wholly-owned subsidiaries or affiliates are eligible for membership.
- Employees and retirees of the WEA Member Benefit Trust and any of its wholly-owned subsidiaries or affiliates are eligible for membership.
Military, government and schools
- All employees and retirees of any Wisconsin educational organization are eligible for membership.
1 more way to join
Family and household
- Immediate family members of any eligible person are eligible for membership.
Cost to join
- Opening a membership requires depositing at least $5 into a Daily Share Savings Account.
Membership information collected October 5, 2026.