Auto Rates

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Our Auto Loan rates put you on the road to savings


At SCU, we help our members save money and get on the road quicker. This means fast application, approval and funding times and more gas in your tank.


Rates effective as of July 16, 2019.

Loan Amount Term APR2
New Auto Purchase or Refinance
2018 and newer¹ Up to $100,000 Up to 84 months 3.19% - 13.12%
Used Auto Purchase or Refinance
2018 and newer with greater
than 7,500 miles
Up to $100,000 Up to 84 months 3.44% - 13.42%
2013 and newer Up to $100,000 Up to 72 months 3.44% - 12.38%
2010 and newer Up to $100,000 Up to 60 months 3.44% - 11.78%
2009 and older Up to $25,000 Up to 48 months 6.99% - 12.25%

12018 and newer with less than 7,500 miles.

2APR=Annual Percentage Rate. Approval is subject to underwriting guidelines, verifications, collateral valuation and loan-to-value. Credit worthiness determines APR and maximum loan-to-value allowed. Maximum repayment term for 3.19% APR is 48 months, repayment term and APR are based on credit worthiness and model year of vehicle. Other interest rates and repayment terms available. Offer does not apply to the refinance of an existing SCU Auto Loan. Offer valid May 20 to July 8, 2019. Offer and interest rates subject to change without notice.

48 months or 60 months financing is available on loan amount of $5,000 and above. 72 months for $15,000 and above. 84 months for $20,000 and above. 2009 or Newer: 60 months financing is available on loan amount of $5,000 and above. 72 months for $15,000 and above. 84 months for $20,000 and above. Mileage and term restriction: maximum 48 month term mileage 100k or more, maximum 60 month term mileage 80k or more.

Maximum Amount Financed Loan to Value (LTV) is based on the following

  • New Vehicles - Up to 130% LTV. LTV is the lesser of the purchase price or Manufacturers Suggested Retail Price (minus rebates) including tax, license and dealer add-ons.
  • Used Vehicles - Up to 130% LTV. LTV is the lesser of the puchase price or Kelley Blue Book retail value including tax, license and dealer add-ons.
  • Auto Refinance - Loan amounts up to 100% LTV of Kelley Blue Book retail value.
  • 2009 and older vehicles - Up to 100% of the lesser of the purchase price (before used tax) or Retail Kelley Blue Book value.