Rates

Auto Rates

These rates are effective November 25, 2022.

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2020 and newer model years

Name APR as low as Loyalty APR as low as
48 months 5.89% 5.64%
60 months 5.89% 5.64%
66 months 5.89% 5.64%
72 months 5.99% 5.74%
84 months 6.24% 5.99%

2019 model year

Name APR as low as Loyalty APR as low as
48 months 6.34% 6.09%
60 months 6.34% 6.09%
66 months 6.34% 6.09%
72 months 6.44% 6.19%
84 months 6.64% 6.39%

2018 model year

Name APR as low as Loyalty APR as low as
48 months 6.49% 6.24%
60 months 6.49% 6.24%
66 months 6.49% 6.24%
72 months 6.49% 6.24%
84 months 6.94% 6.69%

2017 model year

Name APR as low as Loyalty APR as low as
48 months 6.49% 6.24%
60 months 6.74% 6.49%
66 month 6.74% 6.49%
72 months 6.84% 6.59%

2016 model year

Name APR as low as Loyalty APR as low as
48 months 7.14% 6.89%
60 months 7.14% 6.89%
66 month 7.14% 6.89%
72 months 7.24% 6.99%

2015 model year

Name APR as low as Loyalty APR as low as
36 months 6.89% 6.64%
48 months 6.89% 6.64%
60 months 6.99% 6.74%
72 months 7.24% 6.99%

2014 model year

Name APR as low as Loyalty APR as low as
36 months 7.04% 6.79%
48 months 7.04% 6.79%
60 months 7.14% 6.89%
66 month 7.24% 6.99%

2013 model year

Name APR as low as Loyalty APR as low as
36 months 7.04% 6.79%
48 months 7.04% 6.79%
60 months 7.14% 6.89%

2012 model year and older

Name APR as low as Loyalty APR as low as
36 months 9.64% 9.39%
48 months 9.64% 9.39%

"Trade" and "Retail" refer to NADA value guides, which are used to determine the value of vehicles. A lower interest rate is offered when borrowing at the "Trade" value or less.

APR = Annual Percentage Rate. Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net income to Veridian or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. Existing loans with Veridian may be refinanced if the new loan balance contains at least 25% new money to the credit union. All loans subject to membership and approval. Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness and loan-to-value ratio, as well as age and mileage of vehicle. All loans subject to approval. See Veridian for details.

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