Credit union · NCUA insured
YTR Community FCU Auto Loan Rates
YTR Community FCU auto loans start at 4.50% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How YTR Community FCU’s auto loan rates compare
Compared with banks and credit unions near Weirton, WV-OH, where YTR Community FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
YTR Community FCU
4.50%APR
- Terms
- up to 84 months
- Up to
- 13.75% APR
New Auto (2022-Newer)
2nd-lowest rate
Strip Steel Community Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
Hancock School Employees FCU
5.00%APR
- Terms
- 49–60 months
- Up to
- 13.00% APR
YTR Community FCU auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
By vehicle
- New vehicleNew4.50%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where YTR Community FCU 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.
Classic Car Loan (over 20 years old)
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.50%–15.75% | Rates tiered by credit score: A++ (750+) 6.50%, A+ (720-749) 6.75%, A (650-719) 7.75%, B (620-649) 9.75%, C (549-619) 12.75%, D (548 & below) 15.75% |
| up to 48 months | 7.50%–16.75% | Rates tiered by credit score: A++ (750+) 7.50%, A+ (720-749) 7.75%, A (650-719) 8.75%, B (620-649) 10.75%, C (549-619) 13.75%, D (548 & below) 16.75% |
| up to 60 months | 8.50%–17.75% | Rates tiered by credit score: A++ (750+) 8.50%, A+ (720-749) 8.75%, A (650-719) 9.75%, B (620-649) 11.75%, C (549-619) 14.75%, D (548 & below) 17.75% |
Motorcycles (over $7,500)
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.00%–15.25% | Rates tiered by credit score: A++ (750+) 6.00%, A+ (720-749) 6.25%, A (650-719) 7.25%, B (620-649) 9.25%, C (549-619) 12.25%, D (548 & below) 15.25% |
| up to 48 months | 7.00%–16.25% | Rates tiered by credit score: A++ (750+) 7.00%, A+ (720-749) 7.25%, A (650-719) 8.25%, B (620-649) 10.25%, C (549-619) 13.25%, D (548 & below) 16.25% |
| up to 60 months | 8.00%–17.25% | Rates tiered by credit score: A++ (750+) 8.00%, A+ (720-749) 8.25%, A (650-719) 9.25%, B (620-649) 11.25%, C (549-619) 14.25%, D (548 & below) 17.25% |
Motorcycles (under $7,500)
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.00%–16.25% | Rates tiered by credit score: A++ (750+) 7.00%, A+ (720-749) 7.25%, A (650-719) 8.25%, B (620-649) 10.25%, C (549-619) 13.25%, D (548 & below) 16.25% |
| up to 48 months | 8.00%–17.25% | Rates tiered by credit score: A++ (750+) 8.00%, A+ (720-749) 8.25%, A (650-719) 9.25%, B (620-649) 11.25%, C (549-619) 14.25%, D (548 & below) 17.25% |
New Auto (2022-Newer)
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 2.50%–11.75% | Rates tiered by credit score: A++ (750+) 2.50%, A+ (720-749) 2.75%, A (650-719) 3.75%, B (620-649) 5.75%, C (549-619) 8.75%, D (548 & below) 11.75% |
| up to 36 months | 2.75%–12.00% | Rates tiered by credit score: A++ (750+) 2.75%, A+ (720-749) 3.00%, A (650-719) 4.00%, B (620-649) 6.00%, C (549-619) 9.00%, D (548 & below) 12.00% |
| up to 48 months | 3.00%–12.25% | Rates tiered by credit score: A++ (750+) 3.00%, A+ (720-749) 3.25%, A (650-719) 4.25%, B (620-649) 6.25%, C (549-619) 9.25%, D (548 & below) 12.25% |
| up to 60 months | 3.25%–12.50% | Rates tiered by credit score: A++ (750+) 3.25%, A+ (720-749) 3.50%, A (650-719) 4.50%, B (620-649) 6.50%, C (549-619) 9.50%, D (548 & below) 12.50% |
| up to 72 months | 3.50%–13.00% | Rates tiered by credit score: A++ (750+) 3.50%, A+ (720-749) 4.00%, A (650-719) 5.00%, B (620-649) 7.00%, C (549-619) 10.00%, D (548 & below) 13.00% |
| up to 84 months | 4.50%–13.75% | Rates tiered by credit score: A++ (750+) 4.50%, A+ (720-749) 4.75%, A (650-719) 5.75%, B (620-649) 7.75%, C (549-619) 10.75%, D (548 & below) 13.75% |
Used Auto (2016 & Older)
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00%–14.25% | Rates tiered by credit score: A++ (750+) 5.00%, A+ (720-749) 5.25%, A (650-719) 6.25%, B (620-649) 8.25%, C (549-619) 11.25%, D (548 & below) 14.25% |
| up to 36 months | 5.25%–14.50% | Rates tiered by credit score: A++ (750+) 5.25%, A+ (720-749) 5.50%, A (650-719) 6.50%, B (620-649) 8.50%, C (549-619) 11.50%, D (548 & below) 14.50% |
| up to 48 months | 5.50%–14.75% | Rates tiered by credit score: A++ (750+) 5.50%, A+ (720-749) 5.75%, A (650-719) 6.75%, B (620-649) 8.75%, C (549-619) 11.75%, D (548 & below) 14.75% |
| up to 60 months | 5.75%–15.00% | Rates tiered by credit score: A++ (750+) 5.75%, A+ (720-749) 6.00%, A (650-719) 7.00%, B (620-649) 9.00%, C (549-619) 12.00%, D (548 & below) 15.00% |
Used Auto (2019-2017)
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50%–13.75% | Rates tiered by credit score: A++ (750+) 4.50%, A+ (720-749) 4.75%, A (650-719) 5.75%, B (620-649) 7.75%, C (549-619) 10.75%, D (548 & below) 13.75% |
| up to 36 months | 4.75%–14.00% | Rates tiered by credit score: A++ (750+) 4.75%, A+ (720-749) 5.00%, A (650-719) 6.00%, B (620-649) 8.00%, C (549-619) 11.00%, D (548 & below) 14.00% |
| up to 48 months | 5.00%–14.25% | Rates tiered by credit score: A++ (750+) 5.00%, A+ (720-749) 5.25%, A (650-719) 6.25%, B (620-649) 8.25%, C (549-619) 11.25%, D (548 & below) 14.25% |
| up to 60 months | 5.25%–14.50% | Rates tiered by credit score: A++ (750+) 5.25%, A+ (720-749) 5.50%, A (650-719) 6.50%, B (620-649) 8.50%, C (549-619) 11.50%, D (548 & below) 14.50% |
| up to 72 months | 5.50%–14.75% | Rates tiered by credit score: A++ (750+) 5.50%, A+ (720-749) 5.75%, A (650-719) 6.75%, B (620-649) 8.75%, C (549-619) 11.75%, D (548 & below) 14.75% |
Used Auto (2021-2020)
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.50%–12.75% | Rates tiered by credit score: A++ (750+) 3.50%, A+ (720-749) 3.75%, A (650-719) 4.75%, B (620-649) 6.75%, C (549-619) 9.75%, D (548 & below) 12.75% |
| up to 36 months | 3.75%–13.00% | Rates tiered by credit score: A++ (750+) 3.75%, A+ (720-749) 4.00%, A (650-719) 5.00%, B (620-649) 7.00%, C (549-619) 10.00%, D (548 & below) 13.00% |
| up to 48 months | 4.00%–13.25% | Rates tiered by credit score: A++ (750+) 4.00%, A+ (720-749) 4.25%, A (650-719) 5.25%, B (620-649) 7.25%, C (549-619) 10.25%, D (548 & below) 13.25% |
| up to 60 months | 4.25%–13.50% | Rates tiered by credit score: A++ (750+) 4.25%, A+ (720-749) 4.50%, A (650-719) 5.50%, B (620-649) 7.50%, C (549-619) 10.50%, D (548 & below) 13.50% |
| up to 72 months | 4.75%–14.00% | Rates tiered by credit score: A++ (750+) 4.75%, A+ (720-749) 5.00%, A (650-719) 6.00%, B (620-649) 8.00%, C (549-619) 11.00%, D (548 & below) 14.00% |
Who can join YTR Community FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.