Credit union · NCUA insured
Wheat State Credit Union Auto Loan Rates
Wheat State Credit Union auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Wheat State Credit Union’s auto loan rates compare
Compared with banks and credit unions near Wichita, KS, where Wheat State Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wheat State Credit Union
5.50%APR
- Terms
- up to 60 months
- Discount
- None included
Vehicle Loans
Lowest rate
Andover State Bank
4.70%APR
- Terms
- —
- Discount
- Included in the rate
2nd-lowest rate
White Eagle Credit Union
4.90%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Wheat State Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.50%
- 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 Wheat State 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.
Vehicle Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | Subject to credit score and year of vehicle. Floor rate is 2.99%. |
| up to 36 months | 5.50% | Subject to credit score and year of vehicle. Floor rate is 2.99%. |
| up to 48 months | 5.50% | Subject to credit score and year of vehicle. Floor rate is 2.99%. |
| up to 60 months | 5.50% | Subject to credit score and year of vehicle. Floor rate is 2.99%. |
| up to 72 months | 6.00% | Subject to credit score and year of vehicle. Floor rate is 2.99%. |
| up to 84 months | 7.00% | Subject to credit score and year of vehicle. Floor rate is 2.99%. |
Who can join Wheat State 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This may be incomplete or out of date, so check with the credit union before you apply.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 people who reside in, worship in, or whose place of employment is in Sedgwick, Riley, Geary, Sumner, Harper, Kingman, McPherson, Pratt, Stafford, Butler, Harvey, Marion, Dickinson, Cowley, Barber, Reno, Chase, Morris, Clay, or Cloud, or Rice county in Kansas.
Employers and groups
- Membership is open to all employees of any Kansas organization or its subsidiaries whose main endeavor is the delivery of healthcare.
Family and household
- Membership is open to spouses, children, stepchildren, parents, stepparents, grandparents, grandchildren, and siblings of a WSCU member.
Cost to join
- A minimum deposit of $25 is required to open a share account.
Membership information collected October 4, 2026.