Credit union · NCUA insured
West Community Credit Union Auto Loan Rates
West Community Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How West Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where West Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
West Community Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
New Car (Model years 2024 to 2027)
Lowest rate
St. Louis Policemen's Credit Union
3.50%APR
- Terms
- —
- Up to
- 12.25% APR
2nd-lowest rate
First Missouri Credit Union
3.99%APR
- Terms
- —
- Up to
- —
West Community Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where West Community 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.
Car Loan Refinance Special
Refinance auto loan from another financial institution.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Refinance from another financial institution. Includes $90 cash back and no payment for 90 days promotion. |
New & Used Motorcycle or ATV
Rates are as low as stated and subject to change. Applies to new and used motorcycle or ATV.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.24% | — |
| up to 36 months | 7.24% | — |
| up to 48 months | 7.24% | — |
| up to 60 months | 7.49% | — |
| up to 72 months | 8.49% | — |
| up to 84 months | 8.99% | — |
Sources (1)
- westcommunitycu.org/rates/rates-loans.htm · captured Oct 16, 2026
New Car (Model years 2024 to 2027)
Model years 2024 to 2027. Rates are as low as stated and subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | — |
| up to 48 months | 5.14% | — |
| up to 60 months | 5.24% | — |
| up to 72 months | 5.49% | — |
| up to 84 months | 6.49% | — |
Sources (1)
- westcommunitycu.org/rates/rates-loans.htm · captured Oct 16, 2026
Used Car (Model years 2013 and older)
Model years 2013 and older. Rates are as low as stated and subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 9.99% | — |
| up to 48 months | 9.99% | — |
| up to 60 months | 9.99% | — |
| up to 72 months | 12.99% | — |
Sources (1)
- westcommunitycu.org/rates/rates-loans.htm · captured Oct 16, 2026
Used Car (Model years 2014 to 2017)
Model years 2014 to 2017. Rates are as low as stated and subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99% | — |
| up to 48 months | 6.24% | — |
| up to 60 months | 6.49% | — |
| up to 72 months | 6.99% | — |
| up to 84 months | 7.74% | — |
Sources (1)
- westcommunitycu.org/rates/rates-loans.htm · captured Sep 17, 2026
Used Car (Model years 2018 to 2023)
Model years 2018 to 2023. Rates are as low as stated and subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | — |
| up to 48 months | 4.99% | — |
| up to 60 months | 5.24% | — |
| up to 72 months | 5.74% | — |
| up to 84 months | 6.49% | — |
Sources (1)
- westcommunitycu.org/rates/rates-loans.htm · captured Sep 17, 2026
Who can join West Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in St. Louis County, MO; St. Louis, MO; St. Charles County, MO; Warren County, MO; Franklin County, MO; Lincoln County, MO; Boone County, MO; Jefferson County, MO; Sikeston, MO; Madison County, IL; Monroe County, IL; or St. Clair County, IL.
Military, government and schools
- Membership is open to MIZZOU, Stephens College, and Columbia College students, faculty, staff, alumni, and student organizations.
Family and household
- Membership is open to anyone with a qualifying family member (parent, legal guardian, spouse, son, daughter, sibling, grandparent, grandchild, nephew, niece, uncle, aunt, first cousin, step, in-law, and adoptive relationships) living or working in any of the listed geographic affiliations, regardless of whether that family member is an existing member.
Cost to join
- Membership requires a $5 initial share deposit in a savings account.
Membership information collected October 4, 2026.