Credit union · NCUA insured
Wright-Patt Credit Union Auto Loan Rates
Wright-Patt Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Wright-Patt Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dayton, OH, where Wright-Patt Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wright-Patt Credit Union
4.99%APR
- Terms
- up to 63 months
- Up to
- 15.44% APR
Auto Loans (2023 or Newer)
Lowest rate
Universal 1 Credit Union
4.54%APR
- Terms
- up to 63 months
- Up to
- 14.06% APR
3rd-lowest rate
Firefighters & Company Federal Credit Union
5.14%APR
- Terms
- 37–63 months
- Up to
- —
Wright-Patt Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wright-Patt 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 (2022 or Older)
For model year 2022 or older vehicles. Rates and terms based on creditworthiness, loan amount, term, and age of vehicle. 100% financing available with no application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49%–15.94% | — |
| 64–75 months | 5.99%–16.44% | — |
| 76–84 months | 6.24%–12.24% | — |
Sources (3)
All captured Oct 6, 2026
Auto Loans (2023 or Newer)
For model year 2023 or newer vehicles. Rates and terms based on creditworthiness, loan amount, term, and age of vehicle. 100% financing available with no application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 4.99%–15.44% | — |
| 64–75 months | 5.49%–15.94% | — |
| 76–84 months | 5.74%–11.74% | — |
Sources (3)
All captured Oct 6, 2026
Motorcycle Loans (2022 or Older)
For model year 2022 or older motorcycles. Rates and terms based on creditworthiness, loan amount, term, and age of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 7.04%–17.75% | — |
| 64–75 months | 7.54%–17.75% | — |
| 76–84 months | 8.04%–11.64% | — |
Sources (3)
All captured Oct 6, 2026
Motorcycle Loans (2023 or Newer)
For model year 2023 or newer motorcycles. Rates and terms based on creditworthiness, loan amount, term, and age of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 6.54%–17.75% | — |
| 64–75 months | 7.04%–17.75% | — |
| 76–84 months | 7.54%–16.04% | — |
Sources (3)
All captured Oct 6, 2026
Who can join Wright-Patt Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Brown, Butler, Champaign, Clark, Clermont, Clinton, Darke, Delaware, Fairfield, Fayette, Franklin, Greene, Hamilton, Highland, Licking, Madison, Miami, Montgomery, Pickaway, Preble, Shelby, Union, or Warren Counties in Ohio are eligible.
Employers and groups
- People associated through employment, geographic location, or other organizational affiliation with approved Select Employer Groups (SEGs) are eligible for membership.
Military, government and schools
- Government employees near WPAFB who lack access to a credit union are eligible for membership.
- Military personnel residing in a 14-county area adjacent to the Fairborn area who do not have a credit union available are eligible for membership.
- Retired U.S. government civilian and military personnel are eligible for membership.
- Military and civilian employees of Wright-Patterson Air Force Base are eligible for membership.
3 more ways to join
Military, government and schools
- Wright State University students, faculty, staff, and alumni are eligible for membership.
Family and household
- Spouses, children, and certain other relatives of current WPCU members are eligible for membership.
Other ways
- Businesses located within WPCU's field of membership that meet state registration, principal location, and financial standing requirements are eligible for business membership.
Cost to join
- Membership requires opening a TrueSaver account with a one-time share deposit of $5.00.
Membership information collected October 5, 2026.