Credit union · NCUA insured
Woodmen Federal Credit Union Auto Loan Rates
Woodmen Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Woodmen Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Woodmen Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Woodmen Federal Credit Union
5.24%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Kellogg Credit Union
3.24%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Woodmen Federal Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Woodmen 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
Requires title and insurance. Maximum loan amount is up to 125% of sticker price for new vehicles or 125% of NADA retail value for pre-owned vehicles. Advertised APRs are 'as low as' and include qualifying discounts; higher rates may apply based on credit history, credit score, and credit risk. Salvage titles add 2.50% to pre-owned rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | New vehicles. Maximum loan amount 125% of Sticker Price. Requires title and insurance. Stated APR is 'as low as' and includes qualifying discounts; rates are subject to credit risk/score adjustment. |
| up to 48 months | 5.24% | New vehicles. Maximum loan amount 125% of Sticker Price. Requires title and insurance. Stated APR is 'as low as' and includes qualifying discounts; rates are subject to credit risk/score adjustment. |
| up to 60 months | 5.24% | New vehicles. Maximum loan amount 125% of Sticker Price. Requires title and insurance. Stated APR is 'as low as' and includes qualifying discounts; rates are subject to credit risk/score adjustment. |
| up to 72 months | 5.24% | New vehicles. Maximum loan amount 125% of Sticker Price. Requires title and insurance. Stated APR is 'as low as' and includes qualifying discounts; rates are subject to credit risk/score adjustment. |
| up to 84 months | 5.24% | New vehicles. Maximum loan amount 125% of Sticker Price. Requires title and insurance. Stated APR is 'as low as' and includes qualifying discounts; rates are subject to credit risk/score adjustment. |
| up to 84 months | 5.49% | Pre-owned vehicles model years 2024-2025. Maximum loan amount 125% of NADA Retail Value. Requires title and insurance. Salvage titles add 2.50%. Stated APR is 'as low as' and includes qualifying discounts; rates are subject to credit risk/score adjustment. |
| 12–48 months | 5.49% | Pre-owned vehicles model years 2021-2025. Maximum loan amount 125% of NADA Retail Value. Requires title and insurance. Salvage titles add 2.50%. Stated APR is 'as low as' and includes qualifying discounts; rates are subject to credit risk/score adjustment. |
| 60–72 months | 5.49% | Pre-owned vehicles model years 2021-2025. Maximum loan amount 125% of NADA Retail Value. Requires title and insurance. Salvage titles add 2.50%. Stated APR is 'as low as' and includes qualifying discounts; rates are subject to credit risk/score adjustment. |
| 12–60 months | 5.99% | Pre-owned vehicles model years 2016-2020. Maximum loan amount 125% of NADA Retail Value. Requires title and insurance. Salvage titles add 2.50%. Stated APR is 'as low as' and includes qualifying discounts; rates are subject to credit risk/score adjustment. |
Sources (2)
All captured Oct 5, 2026
Who can join Woodmen Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of designated select employee groups (including Baird Holm LLP, The Burlington Capital Group, Kutak Rock, US Bank, and others) are eligible for membership.
- Employees of Woodmen of the World / Omaha Woodmen Life Insurance Society, including Home Office employees, State Managers, State Office Secretaries, and Area Managers, are eligible for membership.
Family and household
- Family members related to an eligible employee by blood or marriage, or persons occupying the same household, are eligible for membership.
Cost to join
- A minimum $5.00 share account balance (1 share) must be maintained for membership.
Membership information collected October 4, 2026.