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Best for: Members who want a fully published refi APR grid by term and model year, plus a stackable promo discount

Connexus Credit Union

Connexus — auto refinance from 4.69% APR with 90 days no payments and a 0.25% member loyalty discount.

Min credit
Not disclosed
APR
4.69%–6.74%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means Connexus Credit Union does not publish this on their public site. "No restriction" means Connexus Credit Union explicitly states no limit.

Overview

Connexus Credit Union publishes a complete auto refinance APR grid spanning terms from 24 to 84 months and split between 2025-or-newer and 2024-or-older vehicles. Refinanced loans start at 4.69% APR (24-month term, model year 2025+), accurate as of September 22, 2026.…

What’s great

  • Fully published APR grid by term and model year
  • 0.25% member loyalty discount stacks with the published grid
  • 90 days with no payments after refinancing
  • Up to 100% financing for eligible borrowers
  • No application or prepayment fees

What to know

  • Membership required at funding
  • $20 funds-transfer fee charged at closing
  • No published vehicle age cap, mileage cap, FICO floor, or loan amount range

Eligibility

Minimum credit scoreNot disclosed
APR range4.69% – 6.74% (Model year 2025+: 4.69% (24mo) → 6.44% (84mo). 2024 and older: 4.79% (24mo) → 6.74% (84mo). Rates include a 1% digital-banking/eStatements discount and a 1% autopay discount; loyalty members may qualify for an additional 0.25% off.)
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount range$0 minimum
Term length24 – 84 months
States servedNot disclosed
Membership requirementOpen to current and prospective members nationwide; membership required at funding (Connexus Association eligibility)

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Connexus Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Connexus Credit Union before applying.

  1. [1]Connexus Auto Refinancing — APR grid by term and model year (rates accurate as of 09/22/2026), 0.25% member loyalty discount, 90 days no payments, 100% financing, $20 funding fee — Connexus Credit Union
    https://www.connexuscu.org/loans/auto-refinance/
    Last checked: September 2026