Credit union · NCUA insured
Welcome Federal Credit Union Auto Loan Rates
Top CarrotWelcome Federal Credit Union auto loans start at 3.50% APR for a new vehicle and 4.00% for a used one. Rates checked October 22, 2026.
How Welcome Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Raleigh, NC, where Welcome Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Welcome Federal Credit Union
3.50%APR
- Terms
- 60–84 months
New Vehicle Loans
2nd-lowest rate
ElecTel Cooperative Federal Credit Union
3.65%APR
- Terms
- up to 84 months
3rd-lowest rate
RTP Federal Credit Union
3.99%APR
- Terms
- up to 60 months
Welcome Federal Credit Union auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.50%
- Used vehicleUsed4.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Welcome 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.
Auto Loans
General advertised auto loan rate; purchase and refinance available.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.50% | As low as 3.50% APR; finance a new or used car, or refinance. |
New Vehicle Loans
Current or upcoming calendar year; terms up to 84 months. Minimum term 60 months, minimum amount financed $15,000. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 60–84 months | 3.50% | Floor rate for new vehicles is 3.50% APR; terms up to 84 months, minimum term 60 months; minimum amount financed $15,000. Offer is up to 1.00% APR off current or offered and verified APR. Rate based on risk-based pricing, credit score, amount financed, collateral, and loan term. |
Sources (1)
- welcomecu.org/loans-mortgages/auto-loans · captured Oct 22, 2026
Used Vehicle Loans
Cars under 10 years old; terms up to 84 months. Minimum term 60 months, minimum amount financed $15,000. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 60–84 months | 4.00% | Floor rate for used vehicles is 4.00% APR; terms up to 84 months, minimum term 60 months; minimum amount financed $15,000. Offer is up to 1.00% APR off current or offered and verified APR. Rate based on risk-based pricing, credit score, amount financed, collateral, and loan term. |
Sources (1)
- welcomecu.org/loans-mortgages/auto-loans · captured Oct 22, 2026
Who can join Welcome Federal Credit Union
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