Auto Loan Rates

Rates Effective: 

Loan Term APR (As low as) Max Loan Amount
Autos (Model Years 2014 and Newer)
Up to 24 months 2.74% Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook
Up to 36 months 2.84%
Up to 48 months 3.34%
Up to 60 months 3.44%
Up to 72 months 3.64%
Up to 84 months 4.64%
Autos (Model Years 2010 - 2013)
Up to 24 months 3.74% Up to 130% of Wholesale Kelley Blue Book Value
Up to 36 months 3.84%
Up to 48 months 4.34%
Up to 60 months 4.44%
Up to 72 months 4.64%
Up to 84 months 5.64%


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RV and Boat Loan Rates

Loan Type APR Loan Term
New RV 5.99% to 10.49% Up to 180 months
Used RV 6.99% to 11.49%
New Boat 5.99% to 10.49%
Used Boat 6.99% to 11.49%


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All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Some restrictions apply. APRs are based on a specific level of creditworthiness. Additional discounts may be applicable, please ask USECU representative for more details. Rates are listed in a range from lowest to highest and certain terms and restrictions may apply. Financing may include dealer service contracts, such as Guaranteed Auto Protection and Mechanical Breakdown Insurance. USECU also offers similar service contracts at very reasonable rates. Please call our Member Service Center at 866.873.4968.

Interest rates and monthly payment information are only estimates. Actual rates and monthly payment amounts are based on your personal credit history and will be provided upon receipt of a completed loan application approved by USE Credit Union. Payment Examples: 2.74% APR is based on approximately 24 monthly payments of $42.92 per $1,000 borrowed. 2.84% APR is based on approximately 36 monthly payments of $29.05 per $1,000 borrowed. 3.34% APR is based on approximately 48 monthly payments of $22.32 per $1,000 borrowed. 3.44% APR is based on approximately 60 monthly payments of $18.20 per $1,000 borrowed. 3.64% APR is based on approximately 72 monthly payments of $15.51 per $1,000 borrowed. Click here for a payment example for your specific loan needs.