Vehicle Rates

Vehicle Loan Rates

Variable Rate Auto Loans

Loan Types (loan) Amount Limit (amount) Repayment Term (repay) APR (apr)
Variable New/Used Auto 5 years old or less 100% 72 Months 2.25% APR
Variable New/Used Auto older than 5 years 100% 60 Months 2.50% APR

Rate on autos 5 years old or less is based on the three year treasury bill plus 1.25% while the rate for autos older than 5 years is based on the three year treasury bill plus 1.50%.

Terms 1 to 24 Months

Vehicle Age APR for Autos APR for Boats and Motorcycles
4 Years or less 3.25% 4.25%
5 to 8 Years Old 4.00% 5.00%
9 Years and older 4.75% 5.75%

Terms 25 to 36 Months

Vehicle Age APR for Autos APR for Boats and motorcycles
4 years or less 3.75% 4.75%
5 to 8 years 4.50% 5.50%
9 years and older 5.25% 6.25%

Terms 37 to 48 Months

Vehicle Age APR for Autos APR for Boats and Motorcycles
4 Years or less 4.25% 5.25%
5 to 8 Years 5.00% 6.00%
9 Years and older 5.75% 6.75%

Terms 49 to 60 Months

Vehicle Age APR for Autos APR for Boats and Motorcycles
4 Years or less 4.75% 5.75%
5 to 8 Years 5.50% 6.50%
9 Years and older 6.25% 7.25%

Terms 61 to 72 Months

Vehicle Age APR for Autos APR for Boats and Motorcycles
4 Years or less 5.25% 6.25%
5 to 8 Years 6.00% 7.00%
9 Years and older 6.75% 7.75%

Terms 73 to 84 Months

Vehicle Age APR for Autos
4 Years or Less 7.00%
5 to 8 Years 7.75%
9 Years and older 8.50%

All of the Loans above can be financed up to 100%.

Other Vehicle Rates

Loan Types (loan) Amount Limit (amount) Repayment Term (repay) APR (apr)
Variable New/Used Auto 5 years old or less 100% 72 Months Three year treasury bill plus 1.25%
Variable New/Used Auto older than 5 years 100% 60 Months Three year treasury bill plus 1.50%
New/Used Hybrid Auto Loan 100% 72 Months .5% Reduction on Any Fixed Rate Auto Loan Product
New Mobile Home (5 years old or less) 100% 180 Months 11.50%
Used Mobile Home (1985 and newer) 80% 84 Months 12.50%
New and Used ATVs 100% 72 Months 7.50%

New and Used RV

  • Rates as low as 5.25%, down payments as low as 5%

For further assistance on specific vehicles and applying for a loan, please call our Lending Department at 1-800-336-0284

1 No Existing NAPUS FCU vehicle or boat loans will be refinanced at these rates.