Auto Rates
These rates are effective May 3, 2023.
EXPLORE OUR AUTO LOANS Apply for an auto loan
2021 and newer model years
| Name | APR as low as⨳ | Loyalty APR as low as⨳ |
|---|---|---|
| 48 months | 6.14% | 5.89% |
| 60 months | 6.14% | 5.89% |
| 66 months | 6.14% | 5.89% |
| 72 months | 6.24% | 5.99% |
| 84 months | 6.49% | 6.24% |
2020 model year
| Name | APR as low as⨳ | Loyalty APR as low as⨳ |
|---|---|---|
| 48 months | 6.59% | 6.34% |
| 60 months | 6.59% | 6.34% |
| 66 months | 6.59% | 6.34% |
| 72 months | 6.69% | 6.44% |
| 84 months | 6.89% | 6.64% |
2019 model year
| Name | APR as low as⨳ | Loyalty APR as low as⨳ |
|---|---|---|
| 48 months | 6.74% | 6.49% |
| 60 months | 6.74% | 6.49% |
| 66 months | 6.74% | 6.49% |
| 72 months | 6.74% | 6.49% |
| 84 months | 7.19% | 6.94% |
2018 model year
| Name | APR as low as⨳ | Loyalty APR as low as⨳ |
|---|---|---|
| 48 months | 6.74% | 6.49% |
| 60 months | 6.99% | 6.74% |
| 66 month | 6.99% | 6.74% |
| 72 months | 7.09% | 6.84% |
2017 model year
| Name | APR as low as⨳ | Loyalty APR as low as⨳ |
|---|---|---|
| 48 months | 7.39% | 7.14% |
| 60 months | 7.39% | 7.14% |
| 66 month | 7.39% | 7.14% |
| 72 months | 7.49% | 7.24% |
2016 model year
| Name | APR as low as⨳ | Loyalty APR as low as⨳ |
|---|---|---|
| 36 months | 7.39% | 7.14% |
| 48 months | 7.39% | 7.14% |
| 60 months | 7.39% | 7.14% |
| 72 months | 7.49% | 7.24% |
2015 model year
| Name | APR as low as⨳ | Loyalty APR as low as⨳ |
|---|---|---|
| 36 months | 7.39% | 7.14% |
| 48 months | 7.39% | 7.14% |
| 60 months | 7.39% | 7.14% |
| 66 month | 7.49% | 7.24% |
2014 model year
| Name | APR as low as⨳ | Loyalty APR as low as⨳ |
|---|---|---|
| 36 months | 7.39% | 7.14% |
| 48 months | 7.39% | 7.14% |
| 60 months | 7.39% | 7.14% |
2013 model year and older
| Name | APR as low as⨳ | Loyalty APR as low as⨳ |
|---|---|---|
| 36 months | 9.89% | 9.64% |
| 48 months | 9.89% | 9.64% |
| 60 Months | 10.49% | 10.24% |
"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 in the form of competitor payoffs. 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.