Eastman Credit Union
Eastman Credit Union — published 4.99%–12.89% APR on used auto loans with terms up to 120 months.
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"Not disclosed" means Eastman Credit Union does not publish this on their public site. "No restriction" means Eastman Credit Union explicitly states no limit.
Overview
Eastman Credit Union finances and refinances auto loans, including a special offer for active and retired military personnel who refinance from another lender. As of October 2026, used auto APRs range from 4.99% to 12.89% on terms from 36 to 120 months, with new auto rates slightly lower.…
What’s great
- Published APR range of 4.99%–12.89% for used autos
- Extended terms up to 120 months with no application fees or pre-payment penalties
- Military refinance offer with a cash reward
What to know
- Membership tied to specific community charter areas, sponsor companies, or family relationships
- Minimum credit score not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 4.99% – 12.89% (Used auto, terms 36-120 months.) |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 120 months |
| States served | Not disclosed |
| Membership requirement | Available to those who live, work, worship, attend school, or operate a business in ECU's community charter area, employees of sponsor companies, and immediate family members of eligible members. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Eastman Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Eastman Credit Union before applying.
- [1]Auto Loans — Eastman Credit Unionhttps://www.ecu.org/borrow/auto-loansLast checked: October 2026
- [2]Join Today — Eastman Credit Unionhttps://www.ecu.org/about-ecu/join-todayLast checked: October 2026