Credit union · NCUA insured
Winnebago Community Credit Union Auto Loan Rates
Top CarrotWinnebago Community Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 16, 2026.
How Winnebago Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oshkosh, WI, where Winnebago Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Winnebago Community Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
2023 Newer Auto & Truck
Lowest rate
Community First Credit Union
3.50%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Oshkosh Community Credit Union
3.98%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Winnebago Community Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Winnebago 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.
2017 - 2022 Auto & Truck
Rates, terms and conditions vary based on credit score, account relationship and year of collateral. Membership eligibility required, NCUA insured. Payment per $1,000 borrowed & $5,000 new money or refinance from another financial institution.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Monthly payment per $1,000 borrowed is $29.97. $5,000 new money or refinance from another financial institution. |
| up to 48 months | 4.99% | Monthly payment per $1,000 borrowed is $23.02. $5,000 new money or refinance from another financial institution. |
| up to 60 months | 5.24% | Monthly payment per $1,000 borrowed is $18.98. $5,000 new money or refinance from another financial institution. |
Sources (1)
- wincu.org/rates/loan-rates · captured Oct 5, 2026
2023 Newer Auto & Truck
Rates, terms and conditions vary based on credit score, account relationship and year of collateral. Membership eligibility required, NCUA insured. Payment per $1,000 borrowed. $5,000 new money or refinance from another financial institution where indicated. $20,000 minimum loan for terms over 5 years.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Payment per $1,000 borrowed is $29.52. |
| up to 48 months | 3.99% | Payment per $1,000 borrowed is $22.57. $5,000 new money or refinance from another financial institution. |
| up to 60 months | 3.99% | Payment per $1,000 borrowed is $18.41. $5,000 new money or refinance from another financial institution. |
| up to 72 months | 3.99% | $20,000 minimum loan. Payment per $1,000 borrowed is $15.64. $5,000 new money or refinance from another financial institution. |
| up to 84 months | 5.49% | $20,000 minimum loan. Payment per $1,000 borrowed is $14.37. $5,000 new money or refinance from another financial institution. |
Sources (1)
- wincu.org/rates/loan-rates · captured Oct 5, 2026
Who can join Winnebago Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.