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  9. Auto Loan Rate Trends

Saint Olaf, Iowa Best Auto Loan Rates - September 2026

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Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Saint Olaf, Iowa. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: September 22, 2026

Current auto loan rates in Saint Olaf, Iowa include Aim Credit UnionAim Credit UnionA+5.0 ★Texas Ratio: 3.24% offering New Titled and Untitled Vehicles 2026-2023 Loan at 3.74%, Community Choice Credit Union Johnston, IACommunity Choice Credit Union Johnston, IAA+5.0 ★Texas Ratio: 2.92% offering Vehicle Loan at 3.92%, Centris Federal Credit UnionCentris Federal Credit UnionA5.0 ★Texas Ratio: 10.55% offering Auto Loan at 3.99%, Capitol View Credit UnionCapitol View Credit UnionA+5.0 ★Texas Ratio: 0.20% offering Auto Loan at 3.99%, Advantage Credit Union Newtown, IAAdvantage Credit Union Newtown, IAA5.0 ★Texas Ratio: 10.97% offering New Autos & Trucks at 4.00%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.

Saint Olaf borrowers have access to 37 lenders serving the Iowa area, with auto loan rates as low as 3.74% APR from Aim Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Saint Olaf, Iowa. Auto Loan Rates Last Updated and Verified: September 22, 2026

Compare Auto Loan Rates Today in Saint Olaf, Iowa & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

Saint Olaf Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
3.74%
2 Years
View
▼
APR3.74%
Term2 Years
Last UpdatedSep 22, 2026
Details

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
3.92%
1 - 36 months
View
▼
APR3.92%
Term1 - 36 months
Last UpdatedSep 22, 2026
Details

As Low As; 2025 & Newer

Centris Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Auto Loan
3.99%
63 months
View
▼
APR3.99%
Term63 months
Last UpdatedSep 20, 2026
Details

Loan must be secured by a 2022 or newer Auto and under 50,000 miles. To qualify for this rate, you must have an automatic payment from a checking account and $5,000 New Money.

Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Auto Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedSep 22, 2026
Details

Qualifications Required: Direct deposit of at least $1,000/mo. and setup automatic payments for their loan; Rates may vary based on creditworthiness and other factors. Rates subject to change without notice. Not all borrowers will qualify. 3.99% rate is a loyalty rate, which is reserved for members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan. Expect a monthly payment of $1180.78 for a $40,000 loan financed at 3.99% for 36 months. Cannot be combined with other rate discounts.

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
3.99%
3 Years
View
▼
APR3.99%
Term3 Years
Last UpdatedSep 22, 2026
Details

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Vehicle Loan (2022 - 2021 Vehicles)
3.99%
2 Years
View
▼
APR3.99%
Term2 Years
Last UpdatedSep 22, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedSep 22, 2026
Details

As Low as:

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
NEW VEHICLES 2025 & Newer Loan
4.04%
36 months
View
▼
APR4.04%
Term36 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto (2025-Newer)
4.10%
0-36 months
View
▼
APR4.10%
Term0-36 months
Last UpdatedSep 22, 2026
Details

Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
2024 to 2026 Auto Loan
4.14%
Up to 60 Months
View
▼
APR4.14%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details

Loyalty APR

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.15%
36 Months
View
▼
APR4.15%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low as:

Centris Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Auto Loan
4.24%
63 months
View
▼
APR4.24%
Term63 months
Last UpdatedSep 20, 2026
Details

Loan must be secured by a 2022 or newer Auto and under 100,000 miles. To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. Inquire at Centris at (800) 334-2328 for Auto with over 100,000 miles.

Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Vehicle Loan
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details

Loyalty Rate: 3.99%

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Vehicles, Boats & Trailer over 16 Loan
4.24%
Up to 48 Months
View
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

As Low As

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Vehicle Loan (2022 - 2021 Vehicles)
4.24%
3 Years
View
▼
APR4.24%
Term3 Years
Last UpdatedSep 22, 2026
Details

Quaker Oats Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan (2024-2027 vehicles)
4.24%
up to 5 years
View
▼
APR4.24%
Termup to 5 years
Last UpdatedSep 22, 2026
Details

As Low As; FOR A LIMITED TIME

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.25%
24 Months
View
▼
APR4.25%
Term24 Months
Last UpdatedSep 22, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedSep 22, 2026
Details

As Low as:

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
Used Autos & Trucks
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedSep 22, 2026
Details

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
4.34%
4 Years
View
▼
APR4.34%
Term4 Years
Last UpdatedSep 22, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.39%
1-36 months
View
▼
APR4.39%
Term1-36 months
Last UpdatedSep 22, 2026
Details

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
36 Months
View
▼
APR4.44%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
48 Months
View
▼
APR4.44%
Term48 Months
Last UpdatedSep 22, 2026
Details

As Low As

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
4.44%
5 Years
View
▼
APR4.44%
Term5 Years
Last UpdatedSep 22, 2026
Details

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Vehicle Loan (2022 - 2021 Vehicles)
4.44%
4 Years
View
▼
APR4.44%
Term4 Years
Last UpdatedSep 22, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
NEW VEHICLES 2025 & Newer Loan
4.44%
48 months
View
▼
APR4.44%
Term48 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2024 Loan
4.44%
36 months
View
▼
APR4.44%
Term36 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2024

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New 2026 & New/Used 2025 Auto Loan
4.49%
up to 48 months
View
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

As Low As*; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used 2024 - 2023 Auto Loan
4.49%
up to 48 months
View
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2024 - 2023; Loyalty APR as low as*

Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Vehicle Loan
4.49%
Up to 48 Months
View
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

Loyalty Rate: 4.24%

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.49%
Up to 60 Months
View
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details

Model Years 2023-2026

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto Loan
4.49%
48 months
View
▼
APR4.49%
Term48 months
Last UpdatedSep 22, 2026
Details

Qualifying auto loans

Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
2021 to 2023 Auto Loan
4.49%
Up to 60 Months
View
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details

Loyalty APR

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Auto Loan - 2025 Or Newer
4.49%
Up to 84 Months
View
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details

As low as

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.49%
37-63 months
View
▼
APR4.49%
Term37-63 months
Last UpdatedSep 22, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedSep 22, 2026
Details

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
4.52%
37 - 66 months
View
▼
APR4.52%
Term37 - 66 months
Last UpdatedSep 22, 2026
Details

As Low As; 2025 & Newer

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
4.52%
1 - 60 months
View
▼
APR4.52%
Term1 - 60 months
Last UpdatedSep 22, 2026
Details

As Low As; 2024

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
4.52%
61 - 66 months
View
▼
APR4.52%
Term61 - 66 months
Last UpdatedSep 22, 2026
Details

As Low As; 2024

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Vehicle Loan (2022 - 2021 Vehicles)
4.54%
5 Years
View
▼
APR4.54%
Term5 Years
Last UpdatedSep 22, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.54%
Up to 48 Months
View
▼
APR4.54%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
NEW VEHICLES 2025 & Newer Loan
4.54%
60 months
View
▼
APR4.54%
Term60 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2024 Loan
4.54%
48 months
View
▼
APR4.54%
Term48 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2024

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedSep 22, 2026
Details

As Low as:

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
Used Autos & Trucks
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedSep 22, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.59%
64-69 months
View
▼
APR4.59%
Term64-69 months
Last UpdatedSep 22, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.59%
70-75 months
View
▼
APR4.59%
Term70-75 months
Last UpdatedSep 22, 2026
Details

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
4.62%
67 - 72 months
View
▼
APR4.62%
Term67 - 72 months
Last UpdatedSep 22, 2026
Details

As Low As; 2025 & Newer

Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
2024 to 2026 Auto Loan
4.64%
Up to 60 Months
View
▼
APR4.64%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details

As Low As; Loyalty APR: 4.14%

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.64%
60 Months
View
▼
APR4.64%
Term60 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.64%
Up to 48 Months
View
▼
APR4.64%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2024 Loan
4.64%
60 months
View
▼
APR4.64%
Term60 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2024

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
4.72%
73 - 78 months
View
▼
APR4.72%
Term73 - 78 months
Last UpdatedSep 22, 2026
Details

As Low As; 2025 & Newer

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New or Used 2025-2024 Auto Loan
4.74%
49-60 months
View
▼
APR4.74%
Term49-60 months
Last UpdatedSep 21, 2026
Details

As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used 2023 - 2022 Auto Loan
4.74%
49-60 months
View
▼
APR4.74%
Term49-60 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2023 - 2022; Loyalty APR as low as*

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Vehicles, Trucks, Motorcycles Loan
4.74%
up to 48 months
View
▼
APR4.74%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Vehicles, Trucks, Motorcycles Loan
4.74%
up to 60 months
View
▼
APR4.74%
Termup to 60 months
Last UpdatedSep 21, 2026
Details

New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026

Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Vehicle Loan
4.74%
Up to 60 Months
View
▼
APR4.74%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details

Loyalty Rate: 4.49%

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.74%
61 - 72 Months
View
▼
APR4.74%
Term61 - 72 Months
Last UpdatedSep 22, 2026
Details

Model Years 2023-2026; Loan must be $18,001 or more

Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
2024 to 2026 Auto Loan
4.74%
Up to 72 Months
View
▼
APR4.74%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details

Loyalty APR

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Vehicles, Boats & Trailer over 16 Loan
4.74%
61 to 72 Month
View
▼
APR4.74%
Term61 to 72 Month
Last UpdatedSep 22, 2026
Details

As Low As

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedSep 22, 2026
Details

As Low As

Quaker Oats Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan
4.74%
UP TO 60 months
View
▼
APR4.74%
TermUP TO 60 months
Last UpdatedSep 22, 2026
Details

SPECIAL; Model Year: 2026, 2025, 2024

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.74%
61-72 Months
View
▼
APR4.74%
Term61-72 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedSep 22, 2026
Details

Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
NEW VEHICLES 2025 & Newer Loan
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer

Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
60 Month New Auto Loans
4.74%
60 Month
View
▼
APR4.74%
Term60 Month
Last UpdatedSep 22, 2026
Details

Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
Auto Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023 - New; APR as low as*

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Vehicles Loan
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 5.75%.

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedSep 22, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.79%
84 months
View
▼
APR4.79%
Term84 months
Last UpdatedSep 22, 2026
Details

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
4.79%
6 Years
View
▼
APR4.79%
Term6 Years
Last UpdatedSep 22, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.79%
Up to 48 Months
View
▼
APR4.79%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; 100% of NADA Retail

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2021-2023 Loan
4.79%
36 months
View
▼
APR4.79%
Term36 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
Used Autos & Trucks
4.80%
72 Months
View
▼
APR4.80%
Term72 Months
Last UpdatedSep 22, 2026
Details

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
Auto Loan
4.80%
84 months
View
▼
APR4.80%
Interest Rate4.80%
Term84 months
Last UpdatedSep 22, 2026
Details

Celebrate with auto loans as low as

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
37 Months
View
▼
APR4.80%
Interest Rate4.80%
Term37 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
50 Months
View
▼
APR4.80%
Interest Rate4.80%
Term50 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
66 Months
View
▼
APR4.80%
Interest Rate4.80%
Term66 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
72 Months
View
▼
APR4.80%
Interest Rate4.80%
Term72 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
84 Months
View
▼
APR4.80%
Interest Rate4.80%
Term84 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
4.82%
79 - 84 months
View
▼
APR4.82%
Term79 - 84 months
Last UpdatedSep 22, 2026
Details

As Low As; 2025 & Newer

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
4.82%
1 - 60 months
View
▼
APR4.82%
Term1 - 60 months
Last UpdatedSep 22, 2026
Details

As Low As; 2023

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
4.82%
61 - 66 months
View
▼
APR4.82%
Term61 - 66 months
Last UpdatedSep 22, 2026
Details

As Low As; 2023

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Vehicle Loan (2022 - 2021 Vehicles)
4.84%
6 Years
View
▼
APR4.84%
Term6 Years
Last UpdatedSep 22, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.84%
84 Months
View
▼
APR4.84%
Term84 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.84%
72 Months
View
▼
APR4.84%
Term72 Months
Last UpdatedSep 22, 2026
Details

Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
NEW VEHICLES 2025 & Newer Loan
4.84%
84 months
View
▼
APR4.84%
Term84 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2024 Loan
4.84%
72 months
View
▼
APR4.84%
Term72 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2024

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New Vehicle Loans
4.84%
48 months
View
▼
APR4.84%
Term48 months
Last UpdatedSep 22, 2026
Details

As low as

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto (2025-Newer)
4.85%
37-63 months
View
▼
APR4.85%
Term37-63 months
Last UpdatedSep 22, 2026
Details

Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
2021 to 2023 Auto Loan
4.89%
Up to 72 Months
View
▼
APR4.89%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details

Loyalty APR

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.89%
60 Months
View
▼
APR4.89%
Term60 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; 100% of NADA Retail

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.89%
Up to 48 Months
View
▼
APR4.89%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

100% of NADA Retail (RTL)

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2021-2023 Loan
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Vehicle Loan
4.90%
0 - 48 Months
View
▼
APR4.90%
Term0 - 48 Months
Last UpdatedSep 22, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Vehicle Loan
4.90%
49 - 60 Months
View
▼
APR4.90%
Term49 - 60 Months
Last UpdatedSep 22, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Vehicle Loan
4.90%
0 - 48 Months
View
▼
APR4.90%
Term0 - 48 Months
Last UpdatedSep 22, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Vehicle Loan
4.90%
49 - 60 Months
View
▼
APR4.90%
Term49 - 60 Months
Last UpdatedSep 22, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedSep 22, 2026
Details

As Low as:

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.90%
up to 72 months
View
▼
APR4.90%
Termup to 72 months
Last UpdatedSep 22, 2026
Details

APR effective 10/1/2025; Rates subject to change without notice

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
4.92%
67 - 72 months
View
▼
APR4.92%
Term67 - 72 months
Last UpdatedSep 22, 2026
Details

As Low As; 2023

Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
2024 to 2026 Auto Loan
4.94%
Up to 78 Months
View
▼
APR4.94%
TermUp to 78 Months
Last UpdatedSep 22, 2026
Details

Loyalty APR

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.94%
61 to 72 MONTHS
View
▼
APR4.94%
Term61 to 72 MONTHS
Last UpdatedSep 22, 2026
Details

As Low As; MINIMUM LOAN AMOUNT $ 25,000.00

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
4.94%
60 months
View
▼
APR4.94%
Term60 months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.94%
84 Months
View
▼
APR4.94%
Term84 Months
Last UpdatedSep 22, 2026
Details

Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2024 Loan
4.94%
84 months
View
▼
APR4.94%
Term84 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2024

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New Vehicle Loans
4.94%
60 months
View
▼
APR4.94%
Term60 months
Last UpdatedSep 22, 2026
Details

As low as

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Used Vehicles 2023 Model Year Loan
4.94%
48 months
View
▼
APR4.94%
Term48 months
Last UpdatedSep 22, 2026
Details

As low as

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
New & Used Vehicle Loans
4.95%
Up to 24 months
View
▼
APR4.95%
TermUp to 24 months
Last UpdatedSep 22, 2026
Details

As Low As; Amount Financed: $100 - $1,499

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
New & Used Vehicle Loans
4.95%
Up to 36 months
View
▼
APR4.95%
TermUp to 36 months
Last UpdatedSep 22, 2026
Details

As Low As; Amount Financed: $1,500 - $3,999

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
New & Used Vehicle Loans
4.95%
Up to 48 months
View
▼
APR4.95%
TermUp to 48 months
Last UpdatedSep 22, 2026
Details

As Low As; Amount Financed: $4,000 - $9,999

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
New & Used Vehicle Loans
4.95%
Up to 60 months
View
▼
APR4.95%
TermUp to 60 months
Last UpdatedSep 22, 2026
Details

As Low As; Amount Financed: $10,000 and up

Iowa State Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Auto Loans
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 19, 2026
Details

Model Year: 2021 or newer

Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.76%
New Vehicle Loans
4.99%
60 Months
View
▼
APR4.99%
Interest Rate4.99%
Term60 Months
Last UpdatedSep 20, 2026
Details

As low as; fixed

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New 2026 & New/Used 2025 Auto Loan
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

As Low As*; Vehicle Year: New 2026 & New/Used 2025

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New or Used 2025-2024 Auto Loan
4.99%
61-72 months
View
▼
APR4.99%
Term61-72 months
Last UpdatedSep 21, 2026
Details

As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used 2023 - 2022 Auto Loan
4.99%
61-72 months
View
▼
APR4.99%
Term61-72 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2023 - 2022; Loyalty APR as low as*

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used 2024 - 2023 Auto Loan
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2024 - 2023; APR as low as*

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used Auto Loan
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2022 - 2021; Loyalty Rate

Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Auto Loan
4.99%
Up to 60 months
View
▼
APR4.99%
Interest Rate4.99%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Vehicles, Trucks, Motorcycles Loan
4.99%
up to 72 months
View
▼
APR4.99%
Termup to 72 months
Last UpdatedSep 21, 2026
Details

New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & newer

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & newer

Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Vehicle Loan
4.99%
Up to 72 Months
View
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details

Loyalty Rate: 4.74%

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.99%
73-84 Months
View
▼
APR4.99%
Term73-84 Months
Last UpdatedSep 22, 2026
Details

Model Years 2023-2026; Loan must be $30,001 or more & mileage under 25,000 miles

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.99%
Up to 48 Months
View
▼
APR4.99%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

Model Years 2020-2022

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
Seasonal Vehicles Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 22, 2026
Details

Model Years 2024-2026

Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
2021 to 2023 Auto Loan
4.99%
Up to 60 Months
View
▼
APR4.99%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details

As Low As; Loyalty APR: 4.49%

Peoples Credit Union Webster City, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.63%
Auto Loan
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedSep 22, 2026
Details

As Low As; Year: 2024 - 2026

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Auto Loan - 2024-2022
4.99%
Up to 72 Months
View
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details

As low as

North Western Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
4.99%
36-42 months
View
▼
APR4.99%
Interest Rate4.99%
Term36-42 months
Last UpdatedSep 22, 2026
Details

Year: 2026-21

North Western Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
4.99%
48-54 months
View
▼
APR4.99%
Interest Rate4.99%
Term48-54 months
Last UpdatedSep 22, 2026
Details

Year: 2026-21

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Vehicle Loan (2020 - 2019 Vehicles)
4.99%
2 Years
View
▼
APR4.99%
Term2 Years
Last UpdatedSep 22, 2026
Details

Quaker Oats Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan
4.99%
UP TO 72 months
View
▼
APR4.99%
TermUP TO 72 months
Last UpdatedSep 22, 2026
Details

Model Year: 2026, 2025, 2024

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.99%
61-72 Months
View
▼
APR4.99%
Term61-72 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; 100% of NADA Retail

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedSep 22, 2026
Details

100% of NADA Retail (RTL)

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2021-2023 Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New Vehicle 2025 - Newer Loan
4.99%
0 - 60 Months
View
▼
APR4.99%
Term0 - 60 Months
Last UpdatedSep 22, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Vehicle Loan
5.00%
61 - 72 Months
View
▼
APR5.00%
Term61 - 72 Months
Last UpdatedSep 22, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Vehicle Loan
5.00%
61 - 72 Months
View
▼
APR5.00%
Term61 - 72 Months
Last UpdatedSep 22, 2026
Details

As Low As

Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
Auto Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023 - New; APR as low as*

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedSep 22, 2026
Details

Burlington Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Automobiles
5.00%
up to 84 months
View
▼
APR5.00%
Termup to 84 months
Last UpdatedSep 22, 2026
Details

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
5.02%
73 - 78 months
View
▼
APR5.02%
Term73 - 78 months
Last UpdatedSep 22, 2026
Details

As Low As; 2023

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.04%
72 months
View
▼
APR5.04%
Term72 months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New Vehicle Loans
5.04%
66 months
View
▼
APR5.04%
Term66 months
Last UpdatedSep 22, 2026
Details

As low as

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New Vehicle Loans
5.04%
72 months
View
▼
APR5.04%
Term72 months
Last UpdatedSep 22, 2026
Details

As low as

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Used Vehicles 2022 Model Year Loan
5.04%
48 months
View
▼
APR5.04%
Term48 months
Last UpdatedSep 22, 2026
Details

As low as

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Used Vehicles 2023 Model Year Loan
5.04%
60 months
View
▼
APR5.04%
Term60 months
Last UpdatedSep 22, 2026
Details

As low as

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto (2025-Newer)
5.05%
64-75 months
View
▼
APR5.05%
Term64-75 months
Last UpdatedSep 22, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedSep 22, 2026
Details

As Low as:

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
Used Autos & Trucks
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedSep 22, 2026
Details

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
5.09%
60 months
View
▼
APR5.09%
Term60 months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & newer

Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
2021 to 2023 Auto Loan
5.09%
Up to 78 Months
View
▼
APR5.09%
TermUp to 78 Months
Last UpdatedSep 22, 2026
Details

Loyalty APR

North Iowa Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.62%
New/Program Vehicles Loan
5.09%
48 Months
View
▼
APR5.09%
Term48 Months
Last UpdatedSep 22, 2026
Details

As Low As; Rates as low as

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
5.09%
1 - 48 months
View
▼
APR5.09%
Term1 - 48 months
Last UpdatedSep 22, 2026
Details

Model Year: 2026 - 2023

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2023 - 2022 Loan
5.09%
37 Months
View
▼
APR5.09%
Interest Rate5.09%
Term37 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023 - 2022**

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
5.09%
84 Months
View
▼
APR5.09%
Term84 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; 100% of NADA Retail

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
5.09%
72 Months
View
▼
APR5.09%
Term72 Months
Last UpdatedSep 22, 2026
Details

100% of NADA Retail (RTL)

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
5.12%
79 - 84 months
View
▼
APR5.12%
Term79 - 84 months
Last UpdatedSep 22, 2026
Details

As Low As; 2023

Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
2024 to 2026 Auto Loan
5.14%
Up to 84 Months
View
▼
APR5.14%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details

Loyalty APR

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2019-2020 Loan
5.14%
36 months
View
▼
APR5.14%
Term36 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2019-2020

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New Vehicle Loans
5.14%
84 months
View
▼
APR5.14%
Term84 months
Last UpdatedSep 22, 2026
Details

As low as

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Used Vehicles 2021 Model Year Loan
5.14%
48 months
View
▼
APR5.14%
Term48 months
Last UpdatedSep 22, 2026
Details

As low as

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Used Vehicles 2022 Model Year Loan
5.14%
60 months
View
▼
APR5.14%
Term60 months
Last UpdatedSep 22, 2026
Details

As low as

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Used Vehicles 2023 Model Year Loan
5.14%
66 months
View
▼
APR5.14%
Term66 months
Last UpdatedSep 22, 2026
Details

As low as

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Vehicle Loan
5.15%
73 - 84 Months
View
▼
APR5.15%
Term73 - 84 Months
Last UpdatedSep 22, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Vehicle Loan
5.15%
73 - 84 Months
View
▼
APR5.15%
Term73 - 84 Months
Last UpdatedSep 22, 2026
Details

As Low As

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
5.15%
up to 84 months
View
▼
APR5.15%
Termup to 84 months
Last UpdatedSep 22, 2026
Details

APR effective 10/1/2025; Rates subject to change without notice

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
5.17%
1 - 60 months
View
▼
APR5.17%
Term1 - 60 months
Last UpdatedSep 22, 2026
Details

As Low As; 2022

Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Vehicle Loan
5.17%
61 - 66 months
View
▼
APR5.17%
Term61 - 66 months
Last UpdatedSep 22, 2026
Details

As Low As; 2022

Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Auto Loan
5.19%
61-72 months
View
▼
APR5.19%
Interest Rate5.19%
Term61-72 months
Last UpdatedSep 21, 2026
Details

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.19%
84 months
View
▼
APR5.19%
Term84 months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedSep 22, 2026
Details

Model Year: 2021-2023

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
5.19%
49-63 months
View
▼
APR5.19%
Term49-63 months
Last UpdatedSep 22, 2026
Details

Model Year: 2026 - 2023

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
5.19%
84 Months
View
▼
APR5.19%
Term84 Months
Last UpdatedSep 22, 2026
Details

100% of NADA Retail (RTL)

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2021-2023 Loan
5.19%
72 months
View
▼
APR5.19%
Term72 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Vehicle Loan
5.20%
0 - 48 Months
View
▼
APR5.20%
Term0 - 48 Months
Last UpdatedSep 22, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Vehicle Loan
5.20%
49 - 60 Months
View
▼
APR5.20%
Term49 - 60 Months
Last UpdatedSep 22, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
2020-2027 Vehicle Loans
5.24%
24-48 Months
View
▼
APR5.24%
Term24-48 Months
Last UpdatedSep 21, 2026
Details

R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
2020-2027 Vehicle Loans
5.24%
49-66 Months
View
▼
APR5.24%
Term49-66 Months
Last UpdatedSep 21, 2026
Details

R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
2020-2027 Vehicle Loans
5.24%
67-75 Months
View
▼
APR5.24%
Term67-75 Months
Last UpdatedSep 21, 2026
Details

R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
2020-2027 Vehicle Loans
5.24%
76-84 Months
View
▼
APR5.24%
Term76-84 Months
Last UpdatedSep 21, 2026
Details

R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
Vehicle - 2017-2019 Loan
5.24%
24-66 Months
View
▼
APR5.24%
Term24-66 Months
Last UpdatedSep 21, 2026
Details

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New or Used 2025-2024 Auto Loan
5.24%
49-60 months
View
▼
APR5.24%
Term49-60 months
Last UpdatedSep 21, 2026
Details

As Low As*; Vehicle Year: 2025 - 2024

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New or Used 2025-2024 Auto Loan
5.24%
73-84 months
View
▼
APR5.24%
Term73-84 months
Last UpdatedSep 21, 2026
Details

As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used 2023 - 2022 Auto Loan
5.24%
49-60 months
View
▼
APR5.24%
Term49-60 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2023 - 2022; APR as low as*

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used 2023 - 2022 Auto Loan
5.24%
73-84 months
View
▼
APR5.24%
Term73-84 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2023 - 2022; Loyalty APR as low as*

Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Auto Loan
5.24%
Up to 60 months
View
▼
APR5.24%
Interest Rate5.24%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Vehicles, Trucks, Motorcycles Loan
5.24%
up to 84 months
View
▼
APR5.24%
Termup to 84 months
Last UpdatedSep 21, 2026
Details

New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Vehicles & Motorcycles Loan
5.24%
up to 48 months
View
▼
APR5.24%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

Used Vehicles & Motorcycles; 2019 - 2022

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & newer

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedSep 22, 2026
Details

Model Year: 2023 & 2022

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedSep 22, 2026
Details

Model Year: 2023 & 2022

Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedSep 22, 2026
Details

Model Year: 2023 & 2022

Saint Olaf New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
3.74%
2 Years
View
▼
APR3.74%
Term2 Years
Last UpdatedSep 22, 2026
Details

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
3.99%
3 Years
View
▼
APR3.99%
Term3 Years
Last UpdatedSep 22, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedSep 22, 2026
Details

As Low as:

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
NEW VEHICLES 2025 & Newer Loan
4.04%
36 months
View
▼
APR4.04%
Term36 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto (2025-Newer)
4.10%
0-36 months
View
▼
APR4.10%
Term0-36 months
Last UpdatedSep 22, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.15%
36 Months
View
▼
APR4.15%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low as:

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Vehicles, Boats & Trailer over 16 Loan
4.24%
Up to 48 Months
View
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.25%
24 Months
View
▼
APR4.25%
Term24 Months
Last UpdatedSep 22, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedSep 22, 2026
Details

As Low as:

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
4.34%
4 Years
View
▼
APR4.34%
Term4 Years
Last UpdatedSep 22, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.39%
1-36 months
View
▼
APR4.39%
Term1-36 months
Last UpdatedSep 22, 2026
Details

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
36 Months
View
▼
APR4.44%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
48 Months
View
▼
APR4.44%
Term48 Months
Last UpdatedSep 22, 2026
Details

As Low As

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
4.44%
5 Years
View
▼
APR4.44%
Term5 Years
Last UpdatedSep 22, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
NEW VEHICLES 2025 & Newer Loan
4.44%
48 months
View
▼
APR4.44%
Term48 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New 2026 & New/Used 2025 Auto Loan
4.49%
up to 48 months
View
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

As Low As*; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.49%
Up to 60 Months
View
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details

Model Years 2023-2026

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Auto Loan - 2025 Or Newer
4.49%
Up to 84 Months
View
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details

As low as

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.49%
37-63 months
View
▼
APR4.49%
Term37-63 months
Last UpdatedSep 22, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedSep 22, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.54%
Up to 48 Months
View
▼
APR4.54%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
NEW VEHICLES 2025 & Newer Loan
4.54%
60 months
View
▼
APR4.54%
Term60 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedSep 22, 2026
Details

As Low as:

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.59%
64-69 months
View
▼
APR4.59%
Term64-69 months
Last UpdatedSep 22, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.59%
70-75 months
View
▼
APR4.59%
Term70-75 months
Last UpdatedSep 22, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.64%
60 Months
View
▼
APR4.64%
Term60 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.64%
Up to 48 Months
View
▼
APR4.64%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

Relationship Rate

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New or Used 2025-2024 Auto Loan
4.74%
49-60 months
View
▼
APR4.74%
Term49-60 months
Last UpdatedSep 21, 2026
Details

As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Vehicles, Trucks, Motorcycles Loan
4.74%
up to 48 months
View
▼
APR4.74%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Vehicles, Trucks, Motorcycles Loan
4.74%
up to 60 months
View
▼
APR4.74%
Termup to 60 months
Last UpdatedSep 21, 2026
Details

New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.74%
61 - 72 Months
View
▼
APR4.74%
Term61 - 72 Months
Last UpdatedSep 22, 2026
Details

Model Years 2023-2026; Loan must be $18,001 or more

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Vehicles, Boats & Trailer over 16 Loan
4.74%
61 to 72 Month
View
▼
APR4.74%
Term61 to 72 Month
Last UpdatedSep 22, 2026
Details

As Low As

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedSep 22, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.74%
61-72 Months
View
▼
APR4.74%
Term61-72 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedSep 22, 2026
Details

Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
NEW VEHICLES 2025 & Newer Loan
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer

Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
60 Month New Auto Loans
4.74%
60 Month
View
▼
APR4.74%
Term60 Month
Last UpdatedSep 22, 2026
Details

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Vehicles Loan
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 5.75%.

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedSep 22, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.79%
84 months
View
▼
APR4.79%
Term84 months
Last UpdatedSep 22, 2026
Details

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
4.79%
6 Years
View
▼
APR4.79%
Term6 Years
Last UpdatedSep 22, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.79%
Up to 48 Months
View
▼
APR4.79%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; 100% of NADA Retail

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
37 Months
View
▼
APR4.80%
Interest Rate4.80%
Term37 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
50 Months
View
▼
APR4.80%
Interest Rate4.80%
Term50 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
66 Months
View
▼
APR4.80%
Interest Rate4.80%
Term66 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
72 Months
View
▼
APR4.80%
Interest Rate4.80%
Term72 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
84 Months
View
▼
APR4.80%
Interest Rate4.80%
Term84 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.84%
84 Months
View
▼
APR4.84%
Term84 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.84%
72 Months
View
▼
APR4.84%
Term72 Months
Last UpdatedSep 22, 2026
Details

Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
NEW VEHICLES 2025 & Newer Loan
4.84%
84 months
View
▼
APR4.84%
Term84 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New Vehicle Loans
4.84%
48 months
View
▼
APR4.84%
Term48 months
Last UpdatedSep 22, 2026
Details

As low as

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto (2025-Newer)
4.85%
37-63 months
View
▼
APR4.85%
Term37-63 months
Last UpdatedSep 22, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.89%
60 Months
View
▼
APR4.89%
Term60 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; 100% of NADA Retail

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.89%
Up to 48 Months
View
▼
APR4.89%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

100% of NADA Retail (RTL)

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedSep 22, 2026
Details

As Low as:

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.90%
up to 72 months
View
▼
APR4.90%
Termup to 72 months
Last UpdatedSep 22, 2026
Details

APR effective 10/1/2025; Rates subject to change without notice

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.94%
61 to 72 MONTHS
View
▼
APR4.94%
Term61 to 72 MONTHS
Last UpdatedSep 22, 2026
Details

As Low As; MINIMUM LOAN AMOUNT $ 25,000.00

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
4.94%
60 months
View
▼
APR4.94%
Term60 months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.94%
84 Months
View
▼
APR4.94%
Term84 Months
Last UpdatedSep 22, 2026
Details

Relationship Rate

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New Vehicle Loans
4.94%
60 months
View
▼
APR4.94%
Term60 months
Last UpdatedSep 22, 2026
Details

As low as

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
New & Used Vehicle Loans
4.95%
Up to 24 months
View
▼
APR4.95%
TermUp to 24 months
Last UpdatedSep 22, 2026
Details

As Low As; Amount Financed: $100 - $1,499

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
New & Used Vehicle Loans
4.95%
Up to 36 months
View
▼
APR4.95%
TermUp to 36 months
Last UpdatedSep 22, 2026
Details

As Low As; Amount Financed: $1,500 - $3,999

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
New & Used Vehicle Loans
4.95%
Up to 48 months
View
▼
APR4.95%
TermUp to 48 months
Last UpdatedSep 22, 2026
Details

As Low As; Amount Financed: $4,000 - $9,999

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
New & Used Vehicle Loans
4.95%
Up to 60 months
View
▼
APR4.95%
TermUp to 60 months
Last UpdatedSep 22, 2026
Details

As Low As; Amount Financed: $10,000 and up

Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.76%
New Vehicle Loans
4.99%
60 Months
View
▼
APR4.99%
Interest Rate4.99%
Term60 Months
Last UpdatedSep 20, 2026
Details

As low as; fixed

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New 2026 & New/Used 2025 Auto Loan
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

As Low As*; Vehicle Year: New 2026 & New/Used 2025

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New or Used 2025-2024 Auto Loan
4.99%
61-72 months
View
▼
APR4.99%
Term61-72 months
Last UpdatedSep 21, 2026
Details

As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Vehicles, Trucks, Motorcycles Loan
4.99%
up to 72 months
View
▼
APR4.99%
Termup to 72 months
Last UpdatedSep 21, 2026
Details

New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.99%
73-84 Months
View
▼
APR4.99%
Term73-84 Months
Last UpdatedSep 22, 2026
Details

Model Years 2023-2026; Loan must be $30,001 or more & mileage under 25,000 miles

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.99%
Up to 48 Months
View
▼
APR4.99%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

Model Years 2020-2022

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.99%
61-72 Months
View
▼
APR4.99%
Term61-72 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; 100% of NADA Retail

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedSep 22, 2026
Details

100% of NADA Retail (RTL)

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New Vehicle 2025 - Newer Loan
4.99%
0 - 60 Months
View
▼
APR4.99%
Term0 - 60 Months
Last UpdatedSep 22, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedSep 22, 2026
Details

Burlington Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Automobiles
5.00%
up to 84 months
View
▼
APR5.00%
Termup to 84 months
Last UpdatedSep 22, 2026
Details

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.04%
72 months
View
▼
APR5.04%
Term72 months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New Vehicle Loans
5.04%
66 months
View
▼
APR5.04%
Term66 months
Last UpdatedSep 22, 2026
Details

As low as

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New Vehicle Loans
5.04%
72 months
View
▼
APR5.04%
Term72 months
Last UpdatedSep 22, 2026
Details

As low as

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto (2025-Newer)
5.05%
64-75 months
View
▼
APR5.05%
Term64-75 months
Last UpdatedSep 22, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedSep 22, 2026
Details

As Low as:

North Iowa Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.62%
New/Program Vehicles Loan
5.09%
48 Months
View
▼
APR5.09%
Term48 Months
Last UpdatedSep 22, 2026
Details

As Low As; Rates as low as

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
5.09%
1 - 48 months
View
▼
APR5.09%
Term1 - 48 months
Last UpdatedSep 22, 2026
Details

Model Year: 2026 - 2023

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2023 - 2022 Loan
5.09%
37 Months
View
▼
APR5.09%
Interest Rate5.09%
Term37 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023 - 2022**

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
5.09%
84 Months
View
▼
APR5.09%
Term84 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; 100% of NADA Retail

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
5.09%
72 Months
View
▼
APR5.09%
Term72 Months
Last UpdatedSep 22, 2026
Details

100% of NADA Retail (RTL)

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New Vehicle Loans
5.14%
84 months
View
▼
APR5.14%
Term84 months
Last UpdatedSep 22, 2026
Details

As low as

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
5.15%
up to 84 months
View
▼
APR5.15%
Termup to 84 months
Last UpdatedSep 22, 2026
Details

APR effective 10/1/2025; Rates subject to change without notice

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.19%
84 months
View
▼
APR5.19%
Term84 months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
5.19%
49-63 months
View
▼
APR5.19%
Term49-63 months
Last UpdatedSep 22, 2026
Details

Model Year: 2026 - 2023

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
5.19%
84 Months
View
▼
APR5.19%
Term84 Months
Last UpdatedSep 22, 2026
Details

100% of NADA Retail (RTL)

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New or Used 2025-2024 Auto Loan
5.24%
49-60 months
View
▼
APR5.24%
Term49-60 months
Last UpdatedSep 21, 2026
Details

As Low As*; Vehicle Year: 2025 - 2024

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New or Used 2025-2024 Auto Loan
5.24%
73-84 months
View
▼
APR5.24%
Term73-84 months
Last UpdatedSep 21, 2026
Details

As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Vehicles, Trucks, Motorcycles Loan
5.24%
up to 84 months
View
▼
APR5.24%
Termup to 84 months
Last UpdatedSep 21, 2026
Details

New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026

Saint Olaf Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.25%
24 Months
View
▼
APR4.25%
Term24 Months
Last UpdatedSep 22, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
Used Autos & Trucks
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedSep 22, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.39%
1-36 months
View
▼
APR4.39%
Term1-36 months
Last UpdatedSep 22, 2026
Details

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
36 Months
View
▼
APR4.44%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
48 Months
View
▼
APR4.44%
Term48 Months
Last UpdatedSep 22, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2024 Loan
4.44%
36 months
View
▼
APR4.44%
Term36 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2024

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New 2026 & New/Used 2025 Auto Loan
4.49%
up to 48 months
View
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

As Low As*; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used 2024 - 2023 Auto Loan
4.49%
up to 48 months
View
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2024 - 2023; Loyalty APR as low as*

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.49%
Up to 60 Months
View
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details

Model Years 2023-2026

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.49%
37-63 months
View
▼
APR4.49%
Term37-63 months
Last UpdatedSep 22, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedSep 22, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.54%
Up to 48 Months
View
▼
APR4.54%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2024 Loan
4.54%
48 months
View
▼
APR4.54%
Term48 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2024

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
Used Autos & Trucks
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedSep 22, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.59%
64-69 months
View
▼
APR4.59%
Term64-69 months
Last UpdatedSep 22, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.59%
70-75 months
View
▼
APR4.59%
Term70-75 months
Last UpdatedSep 22, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.64%
60 Months
View
▼
APR4.64%
Term60 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.64%
Up to 48 Months
View
▼
APR4.64%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2024 Loan
4.64%
60 months
View
▼
APR4.64%
Term60 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2024

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New or Used 2025-2024 Auto Loan
4.74%
49-60 months
View
▼
APR4.74%
Term49-60 months
Last UpdatedSep 21, 2026
Details

As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used 2023 - 2022 Auto Loan
4.74%
49-60 months
View
▼
APR4.74%
Term49-60 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2023 - 2022; Loyalty APR as low as*

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Vehicles, Trucks, Motorcycles Loan
4.74%
up to 48 months
View
▼
APR4.74%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Vehicles, Trucks, Motorcycles Loan
4.74%
up to 60 months
View
▼
APR4.74%
Termup to 60 months
Last UpdatedSep 21, 2026
Details

New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.74%
61 - 72 Months
View
▼
APR4.74%
Term61 - 72 Months
Last UpdatedSep 22, 2026
Details

Model Years 2023-2026; Loan must be $18,001 or more

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedSep 22, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.74%
61-72 Months
View
▼
APR4.74%
Term61-72 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedSep 22, 2026
Details

Relationship Rate

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedSep 22, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
4.79%
84 months
View
▼
APR4.79%
Term84 months
Last UpdatedSep 22, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.79%
Up to 48 Months
View
▼
APR4.79%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; 100% of NADA Retail

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2021-2023 Loan
4.79%
36 months
View
▼
APR4.79%
Term36 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
Used Autos & Trucks
4.80%
72 Months
View
▼
APR4.80%
Term72 Months
Last UpdatedSep 22, 2026
Details

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
37 Months
View
▼
APR4.80%
Interest Rate4.80%
Term37 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
50 Months
View
▼
APR4.80%
Interest Rate4.80%
Term50 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
66 Months
View
▼
APR4.80%
Interest Rate4.80%
Term66 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
72 Months
View
▼
APR4.80%
Interest Rate4.80%
Term72 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
84 Months
View
▼
APR4.80%
Interest Rate4.80%
Term84 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2024 & Newer*

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.84%
84 Months
View
▼
APR4.84%
Term84 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.84%
72 Months
View
▼
APR4.84%
Term72 Months
Last UpdatedSep 22, 2026
Details

Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2024 Loan
4.84%
72 months
View
▼
APR4.84%
Term72 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2024

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.89%
60 Months
View
▼
APR4.89%
Term60 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; 100% of NADA Retail

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.89%
Up to 48 Months
View
▼
APR4.89%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

100% of NADA Retail (RTL)

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2021-2023 Loan
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023

Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.94%
61 to 72 MONTHS
View
▼
APR4.94%
Term61 to 72 MONTHS
Last UpdatedSep 22, 2026
Details

As Low As; MINIMUM LOAN AMOUNT $ 25,000.00

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.94%
84 Months
View
▼
APR4.94%
Term84 Months
Last UpdatedSep 22, 2026
Details

Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2024 Loan
4.94%
84 months
View
▼
APR4.94%
Term84 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2024

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Used Vehicles 2023 Model Year Loan
4.94%
48 months
View
▼
APR4.94%
Term48 months
Last UpdatedSep 22, 2026
Details

As low as

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
New & Used Vehicle Loans
4.95%
Up to 24 months
View
▼
APR4.95%
TermUp to 24 months
Last UpdatedSep 22, 2026
Details

As Low As; Amount Financed: $100 - $1,499

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
New & Used Vehicle Loans
4.95%
Up to 36 months
View
▼
APR4.95%
TermUp to 36 months
Last UpdatedSep 22, 2026
Details

As Low As; Amount Financed: $1,500 - $3,999

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
New & Used Vehicle Loans
4.95%
Up to 48 months
View
▼
APR4.95%
TermUp to 48 months
Last UpdatedSep 22, 2026
Details

As Low As; Amount Financed: $4,000 - $9,999

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
New & Used Vehicle Loans
4.95%
Up to 60 months
View
▼
APR4.95%
TermUp to 60 months
Last UpdatedSep 22, 2026
Details

As Low As; Amount Financed: $10,000 and up

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New 2026 & New/Used 2025 Auto Loan
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

As Low As*; Vehicle Year: New 2026 & New/Used 2025

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New or Used 2025-2024 Auto Loan
4.99%
61-72 months
View
▼
APR4.99%
Term61-72 months
Last UpdatedSep 21, 2026
Details

As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used 2023 - 2022 Auto Loan
4.99%
61-72 months
View
▼
APR4.99%
Term61-72 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2023 - 2022; Loyalty APR as low as*

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used 2024 - 2023 Auto Loan
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2024 - 2023; APR as low as*

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used Auto Loan
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2022 - 2021; Loyalty Rate

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Vehicles, Trucks, Motorcycles Loan
4.99%
up to 72 months
View
▼
APR4.99%
Termup to 72 months
Last UpdatedSep 21, 2026
Details

New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.99%
73-84 Months
View
▼
APR4.99%
Term73-84 Months
Last UpdatedSep 22, 2026
Details

Model Years 2023-2026; Loan must be $30,001 or more & mileage under 25,000 miles

Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.99%
Up to 48 Months
View
▼
APR4.99%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details

Model Years 2020-2022

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.99%
61-72 Months
View
▼
APR4.99%
Term61-72 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; 100% of NADA Retail

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedSep 22, 2026
Details

100% of NADA Retail (RTL)

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2021-2023 Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedSep 22, 2026
Details

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Used Vehicles 2022 Model Year Loan
5.04%
48 months
View
▼
APR5.04%
Term48 months
Last UpdatedSep 22, 2026
Details

As low as

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Used Vehicles 2023 Model Year Loan
5.04%
60 months
View
▼
APR5.04%
Term60 months
Last UpdatedSep 22, 2026
Details

As low as

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
Used Autos & Trucks
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedSep 22, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
5.09%
1 - 48 months
View
▼
APR5.09%
Term1 - 48 months
Last UpdatedSep 22, 2026
Details

Model Year: 2026 - 2023

DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
New or Used Cars & Trucks - 2023 - 2022 Loan
5.09%
37 Months
View
▼
APR5.09%
Interest Rate5.09%
Term37 Months
Last UpdatedSep 22, 2026
Details

Model Year: 2023 - 2022**

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
5.09%
84 Months
View
▼
APR5.09%
Term84 Months
Last UpdatedSep 22, 2026
Details

2024 or Newer; 100% of NADA Retail

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
5.09%
72 Months
View
▼
APR5.09%
Term72 Months
Last UpdatedSep 22, 2026
Details

100% of NADA Retail (RTL)

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2019-2020 Loan
5.14%
36 months
View
▼
APR5.14%
Term36 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2019-2020

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Used Vehicles 2021 Model Year Loan
5.14%
48 months
View
▼
APR5.14%
Term48 months
Last UpdatedSep 22, 2026
Details

As low as

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Used Vehicles 2022 Model Year Loan
5.14%
60 months
View
▼
APR5.14%
Term60 months
Last UpdatedSep 22, 2026
Details

As low as

Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Used Vehicles 2023 Model Year Loan
5.14%
66 months
View
▼
APR5.14%
Term66 months
Last UpdatedSep 22, 2026
Details

As low as

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedSep 22, 2026
Details

Model Year: 2021-2023

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
New & Used Vehicle Loan
5.19%
49-63 months
View
▼
APR5.19%
Term49-63 months
Last UpdatedSep 22, 2026
Details

Model Year: 2026 - 2023

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
5.19%
84 Months
View
▼
APR5.19%
Term84 Months
Last UpdatedSep 22, 2026
Details

100% of NADA Retail (RTL)

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
USED VEHICLES 2021-2023 Loan
5.19%
72 months
View
▼
APR5.19%
Term72 months
Last UpdatedSep 22, 2026
Details

As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New or Used 2025-2024 Auto Loan
5.24%
49-60 months
View
▼
APR5.24%
Term49-60 months
Last UpdatedSep 21, 2026
Details

As Low As*; Vehicle Year: 2025 - 2024

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New or Used 2025-2024 Auto Loan
5.24%
73-84 months
View
▼
APR5.24%
Term73-84 months
Last UpdatedSep 21, 2026
Details

As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used 2023 - 2022 Auto Loan
5.24%
49-60 months
View
▼
APR5.24%
Term49-60 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2023 - 2022; APR as low as*

Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
Used 2023 - 2022 Auto Loan
5.24%
73-84 months
View
▼
APR5.24%
Term73-84 months
Last UpdatedSep 21, 2026
Details

Vehicle Year: 2023 - 2022; Loyalty APR as low as*

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Vehicles, Trucks, Motorcycles Loan
5.24%
up to 84 months
View
▼
APR5.24%
Termup to 84 months
Last UpdatedSep 21, 2026
Details

New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026

The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Vehicles & Motorcycles Loan
5.24%
up to 48 months
View
▼
APR5.24%
Termup to 48 months
Last UpdatedSep 21, 2026
Details

Used Vehicles & Motorcycles; 2019 - 2022

Saint Olaf, IA Auto Loan Rate Trends

Compare local Saint Olaf, IA auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Iowa Auto Trends
New Auto Loan IA Avg
5.342%
▲ 0.057 vs 7 days ago

Iowa new auto rates rose 0.057 points over the past 7 days to 5.342% APR.

Used Auto Loan IA Avg
6.021%
▲ 0.154 vs 7 days ago

Iowa used auto rates rose 0.154 points over the past 7 days to 6.021% APR.

As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Saint Olaf, IA Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Iowa figures.

Current New Auto Avg
5.34%
APR, as of Sep 22, 2026
6-Month Forecast
5.42%
Fed hold assumed
12-Month Forecast
5.49%
Range: 5.14% to 5.69%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Iowa APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.34% APR
IA average		 Used Auto @ 6.02% APR
IA average		 Monthly Difference
$15,000 $285.42/mo $290.14/mo $4.72/mo
$25,000 $475.70/mo $483.57/mo $7.86/mo
$35,000 $665.99/mo $676.99/mo $11.01/mo
$45,000 $856.27/mo $870.42/mo $14.15/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

How to Get the Best Auto Loan Rate in Saint Olaf, Iowa

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Saint Olaf, Iowa locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Iowa. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Iowa Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)

$44,180
Median Individual Earnings
National avg: $47,340
3.6%
Unemployment Rate
National avg: 4.8%
11.1%
Poverty Rate
National avg: 11.1%
$571/mo
Payment on a $30K / 60-mo Loan
At IA new-auto avg 5.34% APR

A $571 monthly car payment works out to roughly 15.5% of the median individual income in Iowa. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Saint Olaf, Iowa, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1–3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Saint Olaf, Iowa. We’ve prefilled the APR with today’s IA new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saint Olaf, Iowa auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Saint Olaf, Iowa directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Saint Olaf, Iowa. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in IA.

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Frequently Asked Questions about Auto Loans in Saint Olaf, Iowa

How does my credit score affect my car loan rate in Iowa?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Saint Olaf, Iowa with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Iowa *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Saint Olaf, Iowa typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

Should I get preapproved for an auto loan before visiting a dealer in Saint Olaf, Iowa?

Yes. A preapproval from a bank or credit union serving Saint Olaf, Iowa gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Saint Olaf, Iowa can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

What are the best Auto Loan rates in Saint Olaf, Iowa?

Based on our current data, some of the lowest auto loan rates available in Saint Olaf, Iowa include:
  • Aim Credit Union: 3.74% (New Titled and Untitled Vehicles 2026-2023 Loan)
  • Community Choice Credit Union Johnston, IA: 3.92% (Vehicle Loan)
  • Centris Federal Credit Union: 3.99% (Auto Loan)
  • Capitol View Credit Union: 3.99% (Auto Loan)
  • Advantage Credit Union Newtown, IA: 4.00% (New Autos & Trucks)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Saint Olaf, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 22, 2026

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