Credit Union 1
Credit Union 1 — published auto APRs of 3.99%–8.15%, terms of 36–84 months.
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"Not disclosed" means Credit Union 1 does not publish this on their public site. "No restriction" means Credit Union 1 explicitly states no limit.
Overview
Credit Union 1 offers auto loans and refinancing, and its membership page lists a $5 community enrollment route. Its rate table lists APRs of 3.99% to 8.15% by model-year tier, with a $5,000 minimum loan amount, a 36-month minimum term, and a $124 processing fee on all auto loans.…
What’s great
- Refinances auto loans
- Published APRs of 3.99%–8.15% by model-year tier
- Terms of 36 to 84 months
What to know
- A $124 processing fee applies to all auto loans
- Minimum credit score is not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 3.99% – 8.15% (includes a 0.25% relationship discount for qualified borrowers (automatic payments from a CU1 account plus eStatements); terms of 73-84 months require a $15,000 minimum loan amount; rates by model-year tier) |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | $5,000 minimum |
| Term length | 36 – 84 months |
| States served | Not disclosed |
| Membership requirement | You can apply for membership under the Credit Union 1 Educational Development Association (CU1EDA) for a $5 donation |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Credit Union 1's own published materials. Rates, eligibility, and terms can change — verify directly with Credit Union 1 before applying.
- [1]Auto Loans — Credit Union 1https://www.creditunion1.org/borrow/auto-loans/Last checked: October 2026
- [2]Rates — Credit Union 1https://www.creditunion1.org/rates/Last checked: October 2026
- [3]Membership — Credit Union 1https://www.creditunion1.org/about/membership/Last checked: October 2026