Wings Credit Union
Wings — auto refi with a full APR grid from 5.49% on 2023+ vehicles.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Wings Credit Union does not publish this on their public site. "No restriction" means Wings Credit Union explicitly states no limit.
Overview
Wings Credit Union publishes a transparent auto refinance APR grid keyed by model year and term: 2023-and-newer vehicles start at 5.49% APR (36-month) and rise to 6.24% APR (84-month); model years 2022–2020 start at 5.74%; 2019–2016 vehicles get a flat 6.74% APR over 60 months; and 2015–2010 vehicle…
What’s great
- Full APR grid published by model year and term
- Refinances older vehicles back to model year 2010
- 0.50% direct-deposit discount built into advertised APR
What to know
- Older vehicles capped at a 60-month term
- Membership and direct-deposit relationship required for the lowest APR
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 5.49% – 6.99% (by model year & term: 2023+ 5.49%–6.24% (36–84mo); 2022–2020 5.74%–6.74%; 2019–2016 6.74% (60mo); 2015–2010 6.99% (60mo); includes 0.50% direct-deposit discount) |
| Maximum vehicle age | 16 years |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | 36 – 84 months |
| States served | Not disclosed |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Wings Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Wings Credit Union before applying.
- [1]Wings Auto Refinancing — APR grid by model year and term: 2023+ from 5.49%; 2022–2020 from 5.74%; 2019–2016 6.74% (60mo); 2015–2010 6.99% (60mo); includes 0.50% direct-deposit discount — Wings Credit Unionhttps://www.wingscu.com/auto-refinanceLast checked: October 2026