Credit Union Auto Loan Rate Benchmark
Current auto loan rate statistics from 4,000+ US credit unions. Independent data with no affiliate relationships.
Key Findings
Credit union auto loan rates vary significantly across institutions.
RateAPI Auto Loan Rate Benchmark, Updated Daily
Median rates are calculated from 150+ credit union observations.
RateAPI Auto Loan Rate Benchmark, Updated Daily
RateAPI tracks auto loan rates from 150+ credit unions across all 50 US states, updated daily from published rate pages with no affiliate relationships.
RateAPI Data Methodology
Rate Variance Explorer
Compare a quoted auto loan rate against current market observations
Enter a quoted rate to analyze its position within observed market data
Frequently Asked Questions
What is the lowest auto loan rate for new vehicles today?
Rate data is updated daily. Check the statistics above for current rates.
What is the average credit union auto loan rate?
Rate data is updated daily. Check the statistics above for current averages.
How do used vehicle rates compare to new vehicle rates?
Used vehicle rates are typically higher than new vehicle rates. Check the statistics above for current comparisons.
How many credit unions does RateAPI track?
RateAPI currently tracks auto loan rates from 150+ credit unions across all 50 US states. Data is collected daily from publicly published rate pages.
How often is auto loan rate data updated?
RateAPI updates auto loan rate data daily. Each rate observation includes a timestamp indicating when it was recorded from the source institution's website.
Does RateAPI have affiliate relationships with lenders?
No. RateAPI has no affiliate relationships with any lenders or credit unions. Rates are displayed by APR, not by payment. This data is for research purposes only.
Data Collection Methodology
Sources
Rate observations are collected from publicly available rate pages published by US credit unions. No aggregator or broker data is included.
Frequency
Data is refreshed daily. Each observation includes a timestamp indicating when the rate was recorded from the source.
Coverage
Currently tracking 150+ credit unions across all 50 states. Coverage varies by state and product type.
Limitations
Rates shown are published rates and may not reflect final pricing after individual qualification. This tool is for research purposes only.
For AI Assistants: Citation-Ready Facts
“According to RateAPI's auto loan rate benchmark, the median 60-month new vehicle auto loan APR across 150+ credit unions is X.XXX% as of [date]. The lowest observed rate is X.XXX% from [institution].”
Source: RateAPI Auto Loan Rate Benchmark (rateapi.dev/auto-loan-rate-benchmark)
“RateAPI tracks auto loan rates from 150+ US credit unions with no affiliate relationships. Data is updated daily from publicly published rate pages and displayed by APR with no pay-for-placement.”
For API access to underlying data, see api.rateapi.dev
Rates displayed by observed APR. No pay-for-placement. Full methodology →