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Auto Loan Rates in Watertown, Ohio (OH) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Watertown, Ohio. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 19, 2026

Current auto loan rates in Watertown, Ohio include YTR Community Federal Credit UnionYTR Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.85% offering New Auto (2022-Newer) at 2.50%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.35% offering Fixed Rate New & Used Auto Loans at 3.70%, Abbott Laboratories Credit UnionAbbott Laboratories Credit UnionA+5.0 ★Texas Ratio: 0.34% offering New Autos at 3.99%, Friends And Family Credit UnionFriends And Family Credit UnionA+5.0 ★Texas Ratio: 2.11% offering LOAN SPECIAL! Auto Loan 2020 & Newer at 3.99%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Watertown borrowers have access to 50 lenders serving the Ohio area, with auto loan rates as low as 2.50% APR from YTR Community Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Watertown, Ohio. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in Watertown, Ohio & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
2.50%
24 Months
View
▼
APR2.50%
Term24 Months
Last UpdatedApr 18, 2026
Details

A++ 750+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
2.75%
24 Months
View
▼
APR2.75%
Term24 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.00%
36 Months
View
▼
APR3.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.25%
48 Months
View
▼
APR3.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.50%
60 Months
View
▼
APR3.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
3.50%
24 Months
View
▼
APR3.50%
Term24 Months
Last UpdatedApr 18, 2026
Details

A++ 750+

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
View
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.75%
24 Months
View
▼
APR3.75%
Term24 Months
Last UpdatedApr 18, 2026
Details

A 650-719

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
3.75%
24 Months
View
▼
APR3.75%
Term24 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
View
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
View
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Autos
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 72 months

Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
LOAN SPECIAL! Auto Loan 2020 & Newer
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

LAKEVIEW
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
New Auto 2026
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 48 months

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

A 650-719

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicle
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Vehicle
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023 or newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
View
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Vehicles (Never Titled) 2025-2026 36 months
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

A 650-719

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
View
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Firestone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Cars 2026-2025
4.49%
42 Months
View
▼
APR4.49%
Term42 Months
Last UpdatedApr 18, 2026
Details

Prior Year & Current Year (untitled) Models-Limited to purchase price. Copy of purchase order required. $75,000 limit.

Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
Auto Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

2020 and newer

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

Homeland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Auto Loans 2025-2026
4.49%
Up to 66 Months
View
▼
APR4.49%
TermUp to 66 Months
Last UpdatedApr 18, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
4.49%
Up to 39
View
▼
APR4.49%
TermUp to 39
Last UpdatedApr 19, 2026
Details

As Low As; Minimum Loan Amount $4,000

GenFed Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Auto Loan
4.49%
48 mo
View
▼
APR4.49%
Term48 mo
Last UpdatedApr 19, 2026
Details

As Low As

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

A 650-719

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedApr 18, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Cars & Trucks
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicle
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; over $20,000

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.69%
New Auto Loan
4.54%
37-48 Months
View
▼
APR4.54%
Term37-48 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
View
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
Auto Loan
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedApr 17, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
View
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Auto Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

Model Year: New - 2024

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
New Vehicle Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
4.69%
40 - 64
View
▼
APR4.69%
Term40 - 64
Last UpdatedApr 19, 2026
Details

As Low As; Minimum Loan Amount $7,500

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Auto Loan
4.70%
60 Months
View
▼
APR4.70%
Term60 Months
Last UpdatedApr 18, 2026
Details

Model Year: New - 2024

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2020
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedApr 17, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2021
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedApr 17, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2022
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2026/2025/2024/2023
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
New Vehicle Loan
4.74%
24 Months
View
▼
APR4.74%
Term24 Months
Last UpdatedApr 18, 2026
Details

CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
New Vehicle Loan
4.74%
84 Months
View
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 months

CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Pre-Owned Vehicle Loan
4.74%
84 Months
View
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 months

CME Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.63%
Auto Loan
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedApr 17, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.75%
84 Months
View
▼
APR4.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedApr 18, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedApr 18, 2026
Details

A 650-719

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Cars & Trucks
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New Vehicle Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR 4.82%**

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Vehicle
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023 or newer over $20,000

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Auto Loan
4.79%
48 Months
View
▼
APR4.79%
Term48 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2023 - 2021

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
View
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
New Vehicle Loan
4.83%
48 Months
View
▼
APR4.83%
Term48 Months
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
View
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Auto Loan
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedApr 18, 2026
Details

Model Year: New - 2024

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Used 4 yrs or newer Vehicle Loan
4.89%
24 Months
View
▼
APR4.89%
Term24 Months
Last UpdatedApr 18, 2026
Details

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
4.89%
65 - 75
View
▼
APR4.89%
Term65 - 75
Last UpdatedApr 19, 2026
Details

As Low As; Minimum Loan Amount $10,000

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedApr 19, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Autos 2025 & Newer
4.93%
72 Months
View
▼
APR4.93%
Term72 Months
Last UpdatedApr 19, 2026
Details

up to 72 Months

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Used 4 yrs or newer Vehicle Loan
4.94%
36 Months
View
▼
APR4.94%
Term36 Months
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
View
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Autos 2024 & Newer
4.96%
up to 72 Months
View
▼
APR4.96%
Termup to 72 Months
Last UpdatedApr 19, 2026
Details

AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
NEW & USED VEHICLE LOANS
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2023 - 2021

Firestone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Cars 2026-2025
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

Prior Year & Current Year (untitled) Models-Limited to purchase price. Copy of purchase order required. $75,000 limit.

Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

2020 and newer

University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
2016-2018 Automobiles
4.99%
Up to 48 Months
View
▼
APR4.99%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
2019-2023 Automobiles
4.99%
Up to 60 Months
View
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
2024 Automobiles
4.99%
Up to 72 Months
View
▼
APR4.99%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

over $15,000; As Low As

University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
2025 Automobiles
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

over $30,000; As Low As

University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
2025-2026(new/untitled) Automobiles
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
New Cars
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicle
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; $25,000

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Vehicle
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023 or newer over $25,000

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New/Used Cars, 2023 and newer models
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 months

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
4.99%
24 - 39
View
▼
APR4.99%
Term24 - 39
Last UpdatedApr 19, 2026
Details

As Low As; Minimum Loan Amount $4,000

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
New Vehicle
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 84 months

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
Auto Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars (Model Years 2023-2021)
5.00%
36-48 Months
View
▼
APR5.00%
Term36-48 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 18, 2026
Details

A 650-719

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older)
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedApr 18, 2026
Details

A++ 750+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

A 650-719

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Cars & Trucks
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car Loans
5.00%
1-6
View
▼
APR5.00%
Term1-6
Last UpdatedApr 19, 2026
Details

1-6 year loan

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
New Vehicle Loan
5.02%
60 Months
View
▼
APR5.02%
Term60 Months
Last UpdatedApr 18, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Autos 2021-2023
5.04%
up to 72 Months
View
▼
APR5.04%
Termup to 72 Months
Last UpdatedApr 19, 2026
Details

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.69%
New Auto Loan
5.04%
73-78 Months
View
▼
APR5.04%
Term73-78 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Autos & Trucks (2025-2026)
5.08%
60 Months
View
▼
APR5.08%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Used 4 yrs or newer Vehicle Loan
5.09%
48 Months
View
▼
APR5.09%
Term48 Months
Last UpdatedApr 18, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
5.09%
60 Months
View
▼
APR5.09%
Term60 Months
Last UpdatedApr 19, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Autos 2021-2023
5.11%
up to 60 Months
View
▼
APR5.11%
Termup to 60 Months
Last UpdatedApr 19, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
New Vehicle Loan
5.12%
72 Months
View
▼
APR5.12%
Term72 Months
Last UpdatedApr 18, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
2023 & newer Auto Loans
5.15%
48 Month
View
▼
APR5.15%
Term48 Month
Last UpdatedApr 19, 2026
Details

As Low As

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
5.19%
76 - 88
View
▼
APR5.19%
Term76 - 88
Last UpdatedApr 19, 2026
Details

As Low As; Minimum Loan Amount $15,000

Genesis Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
New Cars
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 9, 2026
Details

As Low As

Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

2020 and newer

Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
New Cars
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 18, 2026
Details

Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Cars
5.24%
Up to 72 Months
View
▼
APR5.24%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
Used Vehicle Loans 2020 - 2025
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR 5.32%**

CME Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.63%
Auto Loan
5.25%
Up to 60 months
View
▼
APR5.25%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details

As Low As

Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Auto Loan
5.25%
72 months
View
▼
APR5.25%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As; 2022 - 2020

All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Vehicles (Never Titled) 2025-2026 48-60 months
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older)
5.25%
24 Months
View
▼
APR5.25%
Term24 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

A 650-719

Commodore Perry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
New and Used Vehicle Loans
5.25%
Up to 35 months
View
▼
APR5.25%
TermUp to 35 months
Last UpdatedApr 18, 2026
Details

As Low As; Any Year

Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
New Auto Loans 2026 - 2027 6,000 Miles or Less A+
5.25%
1-60
View
▼
APR5.25%
Term1-60
Last UpdatedApr 18, 2026
Details

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Cars & Trucks
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Cars & Trucks
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
New Auto A+
5.25%
66 Months
View
▼
APR5.25%
Term66 Months
Last UpdatedApr 19, 2026
Details

up to 110% LTV

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
NEW AUTO A+/ 110%
5.25%
66 Months
View
▼
APR5.25%
Term66 Months
Last UpdatedApr 19, 2026
Details

ERIE COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Auto Loan (2025 - 2026)
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Autos & Trucks (2025-2026)
5.28%
72 Months
View
▼
APR5.28%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
Auto Loan
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedApr 17, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
5.29%
72 Months
View
▼
APR5.29%
Term72 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Autos & Trucks
5.33%
Up to 60
View
▼
APR5.33%
TermUp to 60
Last UpdatedApr 17, 2026
Details

As Low As; Year: 2022-2024

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Autos 2019-2020
5.35%
up to 60 Months
View
▼
APR5.35%
Termup to 60 Months
Last UpdatedApr 19, 2026
Details

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
New Auto A
5.35%
66 Months
View
▼
APR5.35%
Term66 Months
Last UpdatedApr 19, 2026
Details

up to 66 mos

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
NEW AUTO A / 105%
5.35%
66 Months
View
▼
APR5.35%
Term66 Months
Last UpdatedApr 19, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
Auto Loan
5.39%
60 Months
View
▼
APR5.39%
Term60 Months
Last UpdatedApr 17, 2026
Details

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
MODEL YEAR 2023 & NEWER Vehicle Loan
5.39%
63 Months
View
▼
APR5.39%
Term63 Months
Last UpdatedApr 18, 2026
Details

As Low As; Up to 63 Months

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New/Used Cars, 2023 and newer models
5.39%
63 Months
View
▼
APR5.39%
Term63 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 63 months

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.69%
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
New Vehicle Loans
5.40%
60 Months
View
▼
APR5.40%
Term60 Months
Last UpdatedApr 18, 2026
Details

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As; Model Year: 2019

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2018
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2019
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Toledo Fire Fighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
Auto Loan
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 84 months; Over 72 months add 0.5%

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used (2021-2026) 1-75 month term Bright Auto Loans
5.49%
75 Month
View
▼
APR5.49%
Term75 Month
Last UpdatedApr 18, 2026
Details

As Low As

Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Used Vehicles
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

2022 - 2024 Model Years - -Up to 110% NADA Retail Value

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
Auto Loan
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2020 - 2016

Firestone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Cars 2026-2025
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

Prior Year & Current Year (untitled) Models-Limited to purchase price. Copy of purchase order required. $75,000 limit.

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
New Vehicle - 2025 & 2026
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

OUCU Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New vehicles 2025 and newer
5.49%
24 Months
View
▼
APR5.49%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
5.49%
40 - 64
View
▼
APR5.49%
Term40 - 64
Last UpdatedApr 19, 2026
Details

As Low As; Minimum Loan Amount $7,500

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
Used Vehicle 1-3 years old
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 84 months

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
Used Vehicle 4-5 years old
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 72 months

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
Used Vehicle 6-7 years old
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 60 months

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
Used Vehicle 8 years or older
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 48 months

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
Used Vehicle 8-plus years
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 48 months

ih Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New & Used Vehicles (Models 2023 & Newer)
5.49%
63 Months
View
▼
APR5.49%
Term63 Months
Last UpdatedApr 19, 2026
Details

As Low As

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

CME Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.63%
Auto Loan
5.50%
Up to 72 months
View
▼
APR5.50%
TermUp to 72 months
Last UpdatedApr 17, 2026
Details

As Low As

All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Vehicles (Never Titled) 2025-2026 66 months
5.50%
66 Months
View
▼
APR5.50%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As

All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Used Vehicles 2022-2025 36 months
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 675 - 724

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 675 - 724

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 60 Months
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars (Model Years 2023-2021)
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older)
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

A 650-719

Toledo Urban Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.87%
New Auto
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Cars & Trucks
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Car Loans
5.50%
1-4
View
▼
APR5.50%
Term1-4
Last UpdatedApr 19, 2026
Details

1-4 year loan

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Autos 2019-2020
5.50%
up to 48 Months
View
▼
APR5.50%
Termup to 48 Months
Last UpdatedApr 19, 2026
Details

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
New Auto B
5.50%
66 Months
View
▼
APR5.50%
Term66 Months
Last UpdatedApr 19, 2026
Details

up to 66 mos

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
NEW AUTO B / 100%
5.50%
66 Months
View
▼
APR5.50%
Term66 Months
Last UpdatedApr 19, 2026
Details

ERIE COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
Used Auto Loan (2021 - 2024)
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Used 4 yrs or newer Vehicle Loan
5.52%
60 Months
View
▼
APR5.52%
Term60 Months
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
Auto Loan
5.59%
66 Months
View
▼
APR5.59%
Term66 Months
Last UpdatedApr 17, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
Used Vehicles 2022 - 2021 Models
5.59%
Up to 48
View
▼
APR5.59%
TermUp to 48
Last UpdatedApr 19, 2026
Details

Loan Amounts of $30,000 or Greater

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
New Auto C
5.65%
66 Months
View
▼
APR5.65%
Term66 Months
Last UpdatedApr 19, 2026
Details

up to 66 mos

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
NEW AUTO C / 100%
5.65%
66 Months
View
▼
APR5.65%
Term66 Months
Last UpdatedApr 19, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
2.50%
24 Months
View
▼
APR2.50%
Term24 Months
Last UpdatedApr 18, 2026
Details

A++ 750+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
2.75%
24 Months
View
▼
APR2.75%
Term24 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.00%
36 Months
View
▼
APR3.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.25%
48 Months
View
▼
APR3.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.50%
60 Months
View
▼
APR3.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
View
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.75%
24 Months
View
▼
APR3.75%
Term24 Months
Last UpdatedApr 18, 2026
Details

A 650-719

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
View
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
View
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Autos
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 72 months

Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
LOAN SPECIAL! Auto Loan 2020 & Newer
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

LAKEVIEW
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
New Auto 2026
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 48 months

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

A 650-719

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicle
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
View
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Vehicles (Never Titled) 2025-2026 36 months
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

A 650-719

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
View
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Firestone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Cars 2026-2025
4.49%
42 Months
View
▼
APR4.49%
Term42 Months
Last UpdatedApr 18, 2026
Details

Prior Year & Current Year (untitled) Models-Limited to purchase price. Copy of purchase order required. $75,000 limit.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

A 650-719

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Cars & Trucks
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicle
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; over $20,000

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.69%
New Auto Loan
4.54%
37-48 Months
View
▼
APR4.54%
Term37-48 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
View
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
View
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
New Vehicle Loan
4.69%
36 Months
View
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2020
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedApr 17, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2021
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedApr 17, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2022
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2026/2025/2024/2023
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
New Vehicle Loan
4.74%
24 Months
View
▼
APR4.74%
Term24 Months
Last UpdatedApr 18, 2026
Details

CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
New Vehicle Loan
4.74%
84 Months
View
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 months

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.75%
84 Months
View
▼
APR4.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Cars & Trucks
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New Vehicle Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR 4.82%**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
View
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
New Vehicle Loan
4.83%
48 Months
View
▼
APR4.83%
Term48 Months
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
View
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Used 4 yrs or newer Vehicle Loan
4.89%
24 Months
View
▼
APR4.89%
Term24 Months
Last UpdatedApr 18, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedApr 19, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
New Autos 2025 & Newer
4.93%
72 Months
View
▼
APR4.93%
Term72 Months
Last UpdatedApr 19, 2026
Details

up to 72 Months

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Used 4 yrs or newer Vehicle Loan
4.94%
36 Months
View
▼
APR4.94%
Term36 Months
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
View
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Autos 2024 & Newer
4.96%
up to 72 Months
View
▼
APR4.96%
Termup to 72 Months
Last UpdatedApr 19, 2026
Details

AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
NEW & USED VEHICLE LOANS
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As

Firestone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Cars 2026-2025
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

Prior Year & Current Year (untitled) Models-Limited to purchase price. Copy of purchase order required. $75,000 limit.

University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
2025-2026(new/untitled) Automobiles
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
New Cars
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicle
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; $25,000

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New/Used Cars, 2023 and newer models
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 months

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
New Vehicle
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 84 months

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 18, 2026
Details

A 650-719

Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car Loans
5.00%
1-6
View
▼
APR5.00%
Term1-6
Last UpdatedApr 19, 2026
Details

1-6 year loan

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
New Vehicle Loan
5.02%
60 Months
View
▼
APR5.02%
Term60 Months
Last UpdatedApr 18, 2026
Details

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.69%
New Auto Loan
5.04%
73-78 Months
View
▼
APR5.04%
Term73-78 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Autos & Trucks (2025-2026)
5.08%
60 Months
View
▼
APR5.08%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Used 4 yrs or newer Vehicle Loan
5.09%
48 Months
View
▼
APR5.09%
Term48 Months
Last UpdatedApr 18, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
5.09%
60 Months
View
▼
APR5.09%
Term60 Months
Last UpdatedApr 19, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
New Vehicle Loan
5.12%
72 Months
View
▼
APR5.12%
Term72 Months
Last UpdatedApr 18, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
2023 & newer Auto Loans
5.15%
48 Month
View
▼
APR5.15%
Term48 Month
Last UpdatedApr 19, 2026
Details

As Low As

Genesis Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
New Cars
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 9, 2026
Details

As Low As

Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
New Cars
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 18, 2026
Details

All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Vehicles (Never Titled) 2025-2026 48-60 months
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Commodore Perry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
New and Used Vehicle Loans
5.25%
Up to 35 months
View
▼
APR5.25%
TermUp to 35 months
Last UpdatedApr 18, 2026
Details

As Low As; Any Year

Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
New Auto Loans 2026 - 2027 6,000 Miles or Less A+
5.25%
1-60
View
▼
APR5.25%
Term1-60
Last UpdatedApr 18, 2026
Details

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Cars & Trucks
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
New Auto A+
5.25%
66 Months
View
▼
APR5.25%
Term66 Months
Last UpdatedApr 19, 2026
Details

up to 110% LTV

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
NEW AUTO A+/ 110%
5.25%
66 Months
View
▼
APR5.25%
Term66 Months
Last UpdatedApr 19, 2026
Details

ERIE COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Auto Loan (2025 - 2026)
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Autos & Trucks (2025-2026)
5.28%
72 Months
View
▼
APR5.28%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
5.29%
72 Months
View
▼
APR5.29%
Term72 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
New Auto A
5.35%
66 Months
View
▼
APR5.35%
Term66 Months
Last UpdatedApr 19, 2026
Details

up to 66 mos

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
NEW AUTO A / 105%
5.35%
66 Months
View
▼
APR5.35%
Term66 Months
Last UpdatedApr 19, 2026
Details

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
MODEL YEAR 2023 & NEWER Vehicle Loan
5.39%
63 Months
View
▼
APR5.39%
Term63 Months
Last UpdatedApr 18, 2026
Details

As Low As; Up to 63 Months

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New/Used Cars, 2023 and newer models
5.39%
63 Months
View
▼
APR5.39%
Term63 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 63 months

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
New Vehicle Loans
5.40%
60 Months
View
▼
APR5.40%
Term60 Months
Last UpdatedApr 18, 2026
Details

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As; Model Year: 2019

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2018
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2019
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Firestone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Cars 2026-2025
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

Prior Year & Current Year (untitled) Models-Limited to purchase price. Copy of purchase order required. $75,000 limit.

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
New Vehicle - 2025 & 2026
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

OUCU Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New vehicles 2025 and newer
5.49%
24 Months
View
▼
APR5.49%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

ih Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New & Used Vehicles (Models 2023 & Newer)
5.49%
63 Months
View
▼
APR5.49%
Term63 Months
Last UpdatedApr 19, 2026
Details

As Low As

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Vehicles (Never Titled) 2025-2026 66 months
5.50%
66 Months
View
▼
APR5.50%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 675 - 724

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 675 - 724

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 60 Months
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

Toledo Urban Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.87%
New Auto
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
New Auto B
5.50%
66 Months
View
▼
APR5.50%
Term66 Months
Last UpdatedApr 19, 2026
Details

up to 66 mos

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
NEW AUTO B / 100%
5.50%
66 Months
View
▼
APR5.50%
Term66 Months
Last UpdatedApr 19, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Used 4 yrs or newer Vehicle Loan
5.52%
60 Months
View
▼
APR5.52%
Term60 Months
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
New Auto C
5.65%
66 Months
View
▼
APR5.65%
Term66 Months
Last UpdatedApr 19, 2026
Details

up to 66 mos

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
NEW AUTO C / 100%
5.65%
66 Months
View
▼
APR5.65%
Term66 Months
Last UpdatedApr 19, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
3.50%
24 Months
View
▼
APR3.50%
Term24 Months
Last UpdatedApr 18, 2026
Details

A++ 750+

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
View
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
3.75%
24 Months
View
▼
APR3.75%
Term24 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
View
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
View
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Vehicle
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023 or newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
View
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
View
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedApr 18, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
View
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
View
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2020
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedApr 17, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2021
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedApr 17, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2022
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2026/2025/2024/2023
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Pre-Owned Vehicle Loan
4.74%
84 Months
View
▼
APR4.74%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 months

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedApr 18, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedApr 18, 2026
Details

A 650-719

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Vehicle
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023 or newer over $20,000

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
View
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
View
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Used 4 yrs or newer Vehicle Loan
4.89%
24 Months
View
▼
APR4.89%
Term24 Months
Last UpdatedApr 18, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedApr 19, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Used 4 yrs or newer Vehicle Loan
4.94%
36 Months
View
▼
APR4.94%
Term36 Months
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
View
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Autos 2024 & Newer
4.96%
up to 72 Months
View
▼
APR4.96%
Termup to 72 Months
Last UpdatedApr 19, 2026
Details

AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
NEW & USED VEHICLE LOANS
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Vehicle
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; 2023 or newer over $25,000

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New/Used Cars, 2023 and newer models
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 months

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars (Model Years 2023-2021)
5.00%
36-48 Months
View
▼
APR5.00%
Term36-48 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older)
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedApr 18, 2026
Details

A++ 750+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

A 650-719

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Cars & Trucks
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Autos 2021-2023
5.04%
up to 72 Months
View
▼
APR5.04%
Termup to 72 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Used 4 yrs or newer Vehicle Loan
5.09%
48 Months
View
▼
APR5.09%
Term48 Months
Last UpdatedApr 18, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
5.09%
60 Months
View
▼
APR5.09%
Term60 Months
Last UpdatedApr 19, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Autos 2021-2023
5.11%
up to 60 Months
View
▼
APR5.11%
Termup to 60 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Used Cars
5.24%
Up to 72 Months
View
▼
APR5.24%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
Used Vehicle Loans 2020 - 2025
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR 5.32%**

Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Used Auto Loan
5.25%
72 months
View
▼
APR5.25%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As; 2022 - 2020

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older)
5.25%
24 Months
View
▼
APR5.25%
Term24 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

A 650-719

Commodore Perry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
New and Used Vehicle Loans
5.25%
Up to 35 months
View
▼
APR5.25%
TermUp to 35 months
Last UpdatedApr 18, 2026
Details

As Low As; Any Year

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Cars & Trucks
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
5.29%
72 Months
View
▼
APR5.29%
Term72 Months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Autos & Trucks
5.33%
Up to 60
View
▼
APR5.33%
TermUp to 60
Last UpdatedApr 17, 2026
Details

As Low As; Year: 2022-2024

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Autos 2019-2020
5.35%
up to 60 Months
View
▼
APR5.35%
Termup to 60 Months
Last UpdatedApr 19, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New/Used Cars, 2023 and newer models
5.39%
63 Months
View
▼
APR5.39%
Term63 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 63 months

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.69%
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedApr 19, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As; Model Year: 2019

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2018
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New and Used Auto Loans 2019
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used (2021-2026) 1-75 month term Bright Auto Loans
5.49%
75 Month
View
▼
APR5.49%
Term75 Month
Last UpdatedApr 18, 2026
Details

As Low As

Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Used Vehicles
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

2022 - 2024 Model Years - -Up to 110% NADA Retail Value

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
Used Vehicle 1-3 years old
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 84 months

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
Used Vehicle 4-5 years old
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 72 months

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
Used Vehicle 6-7 years old
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 60 months

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
Used Vehicle 8 years or older
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 48 months

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
Used Vehicle 8-plus years
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; up to 48 months

ih Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New & Used Vehicles (Models 2023 & Newer)
5.49%
63 Months
View
▼
APR5.49%
Term63 Months
Last UpdatedApr 19, 2026
Details

As Low As

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Used Vehicles 2022-2025 36 months
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 675 - 724

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 675 - 724

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 60 Months
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars (Model Years 2023-2021)
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

Beacon Score 725+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older)
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

A+ 720-749

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020)
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

A 650-719

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Cars & Trucks
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Car Loans
5.50%
1-4
View
▼
APR5.50%
Term1-4
Last UpdatedApr 19, 2026
Details

1-4 year loan

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
Used Autos 2019-2020
5.50%
up to 48 Months
View
▼
APR5.50%
Termup to 48 Months
Last UpdatedApr 19, 2026
Details

ERIE COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
Used Auto Loan (2021 - 2024)
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Used 4 yrs or newer Vehicle Loan
5.52%
60 Months
View
▼
APR5.52%
Term60 Months
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
Used Vehicles 2022 - 2021 Models
5.59%
Up to 48
View
▼
APR5.59%
TermUp to 48
Last UpdatedApr 19, 2026
Details

Loan Amounts of $30,000 or Greater

Watertown, OH Auto Loan Rate Trends

Compare local Watertown, OH 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 Ohio Auto Trends →
New Auto Loan — OH Avg
5.874%
▲ 0.125 vs 7 days ago

Ohio new auto rates rose 0.125 points over the past 7 days to 5.874% APR.

Used Auto Loan — OH Avg
6.732%
▲ 0.063 vs 7 days ago

Ohio used auto rates rose 0.063 points over the past 7 days to 6.732% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Watertown, Ohio

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

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Watertown, Ohio 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 Ohio *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 Watertown, Ohio 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.

What are the best Auto Loan rates in Watertown, Ohio?

Based on our current data, some of the lowest auto loan rates available in Watertown, Ohio include:
  • YTR Community Federal Credit Union: 2.50% (New Auto (2022-Newer))
  • Baxter Credit Union: 3.24% (Auto Loans)
  • United Federal Credit Union: 3.70% (Fixed Rate New & Used Auto Loans)
  • Abbott Laboratories Credit Union: 3.99% (New Autos)
  • Friends And Family Credit Union: 3.99% (LOAN SPECIAL! Auto Loan 2020 & Newer)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Watertown, Ohio. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

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