Muscoda, Wisconsin Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Muscoda, Wisconsin. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Muscoda, Wisconsin include Athens Area Credit UnionAthens Area Credit UnionA+5.0 ★Texas Ratio: 1.81% offering New Autos at 2.75%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.49%, Oshkosh Community Credit UnionOshkosh Community Credit UnionA+5.0 ★Texas Ratio: 3.48% offering Auto Loan - Up to 36 months at 3.73%, Meadowland Credit UnionMeadowland Credit UnionA5.0 ★Texas Ratio: 7.56% offering Auto Loan at 3.74%, Health Care Credit UnionHealth Care Credit UnionA+5.0 ★Texas Ratio: 3.91% offering Vehicle Loan at 3.74%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Muscoda borrowers have access to 48 lenders serving the Wisconsin area, with auto loan rates as low as 2.75% APR from Athens Area Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Muscoda, Wisconsin. Auto Loan Rates Last Updated and Verified: September 16, 2026
Compare Auto Loan Rates Today in Muscoda, Wisconsin & Surrounding Area
Muscoda Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
2.75%
36 Months
▼
APR2.75%
Interest Rate2.75%
Term36 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.00%
36 Months
▼
APR3.00%
Interest Rate3.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.00%
48 Months
▼
APR3.00%
Interest Rate3.00%
Term48 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.25%
48 Months
▼
APR3.25%
Interest Rate3.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.25%
60 Months
▼
APR3.25%
Interest Rate3.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Auto Loans - 2025 & Newer
3.49%
0 - 36 Months
▼
APR3.49%
Term0 - 36 Months
Last UpdatedSep 14, 2026
Details
As low as; Auto Buying Service APR - 2025 & Newer as low as 2.64%
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New Auto
3.49%
0 - 36 Months
▼
APR3.49%
Term0 - 36 Months
Last UpdatedSep 14, 2026
Details
As Low As; 2025 & Newer
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.50%
60 Months
▼
APR3.50%
Interest Rate3.50%
Term60 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.50%
72 Months
▼
APR3.50%
Interest Rate3.50%
Term72 Months
Last UpdatedSep 14, 2026
Details
Oshkosh Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan - Up to 36 months
3.73%
36 months
▼
APR3.73%
Term36 months
Last UpdatedSep 14, 2026
Details
with Direct Deposit & Autopay
Oshkosh Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan - Up to 48 months
3.73%
48 months
▼
APR3.73%
Term48 months
Last UpdatedSep 14, 2026
Details
with Direct Deposit & Autopay
Meadowland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Auto Loan
3.74%
Up to 24 Months
▼
APR3.74%
TermUp to 24 Months
Last UpdatedSep 14, 2026
Details
As Low as
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
3.74%
36 months
▼
APR3.74%
Interest Rate3.74%
Term36 months
Last UpdatedSep 14, 2026
Details
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
3.74%
48 months
▼
APR3.74%
Interest Rate3.74%
Term48 months
Last UpdatedSep 14, 2026
Details
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
3.74%
60 months
▼
APR3.74%
Interest Rate3.74%
Term60 months
Last UpdatedSep 14, 2026
Details
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
3.74%
72 months
▼
APR3.74%
Interest Rate3.74%
Term72 months
Last UpdatedSep 14, 2026
Details
Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
Auto Loan
3.74%
1-3 Years
▼
APR3.74%
Term1-3 Years
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.75%
72 Months
▼
APR3.75%
Interest Rate3.75%
Term72 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
3.75%
36 Months
▼
APR3.75%
Interest Rate3.75%
Term36 Months
Last UpdatedSep 14, 2026
Details
$50,000 minimum required for 84 month term
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.75%
84 Months
▼
APR3.75%
Interest Rate3.75%
Term84 Months
Last UpdatedSep 14, 2026
Details
Minimum Balance: $50,000
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
2022 - 2026 New & Used Vehicles Loan
3.79%
36 months
▼
APR3.79%
Term36 months
Last UpdatedSep 14, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Auto Loans - 2025 & Newer
3.89%
37 - 75 Months
▼
APR3.89%
Term37 - 75 Months
Last UpdatedSep 14, 2026
Details
As low as
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New Auto
3.89%
37 - 75 Months
▼
APR3.89%
Term37 - 75 Months
Last UpdatedSep 14, 2026
Details
As Low As; 2025 & Newer
Oshkosh Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan - Up to 60 months
3.98%
60 months
▼
APR3.98%
Term60 months
Last UpdatedSep 14, 2026
Details
with Direct Deposit & Autopay
Meadowland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Auto Loan
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 14, 2026
Details
As Low as
Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
New Auto Loan Special
3.99%
4-6 Years
▼
APR3.99%
Term4-6 Years
Last UpdatedSep 14, 2026
Details
Special*
Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Cars (2026 - 2024) Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto Loan
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedSep 16, 2026
Details
Rates as low as; For 84 Months^^ at least $20,000.00+
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto Loan
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedSep 16, 2026
Details
Rates as low as; For 72 Months at least $15,000.00+
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedSep 16, 2026
Details
Rates as low as; For 60 Months at least $10,000.00+
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedSep 16, 2026
Details
Rates as low as; For 48 Months at least $5,000.00+
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedSep 16, 2026
Details
Rates as low as; For 36 Months can be less than $4,999.99
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
Term: 36 Months - 63 Months; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Used Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
Term: 36 Months - 63 Months; As Low As
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Interest Rate4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
4.00%
48 Months
▼
APR4.00%
Interest Rate4.00%
Term48 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2018 - 2021 Used Autos
4.05%
36 Months
▼
APR4.05%
Interest Rate4.05%
Term36 Months
Last UpdatedSep 14, 2026
Details
APR4.10%
Interest Rate3.95%
Term36 months
Last UpdatedSep 15, 2026
Details
Based on $35,000 loan amount
Oshkosh Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan - Up to 36 months
4.23%
36 months
▼
APR4.23%
Term36 months
Last UpdatedSep 14, 2026
Details
Oshkosh Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan - Up to 48 months
4.23%
48 months
▼
APR4.23%
Term48 months
Last UpdatedSep 14, 2026
Details
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New Auto Loan - up to 4 years
4.24%
up to 4 years
▼
APR4.24%
Termup to 4 years
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2023 & newer
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New Auto Loan - up to 5 years
4.24%
up to 5 years
▼
APR4.24%
Termup to 5 years
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2023 & newer
Meadowland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Auto Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 14, 2026
Details
As Low as
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
4.24%
36 months
▼
APR4.24%
Interest Rate4.24%
Term36 months
Last UpdatedSep 14, 2026
Details
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
4.24%
48 months
▼
APR4.24%
Interest Rate4.24%
Term48 months
Last UpdatedSep 14, 2026
Details
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
4.24%
60 months
▼
APR4.24%
Interest Rate4.24%
Term60 months
Last UpdatedSep 14, 2026
Details
Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Vehicle Loan
4.24%
72 months
▼
APR4.24%
Interest Rate4.24%
Term72 months
Last UpdatedSep 14, 2026
Details
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedSep 14, 2026
Details
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New and Used Auto
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Year: 2026-2024; Credit Tier: Max 100%1 A Credit Tier
Taylor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos, Trucks, Motorcycles - 12 Months
4.25%
12 Months
▼
APR4.25%
Term12 Months
Last UpdatedSep 14, 2026
Details
0.50% Rate Discount Special
Taylor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos, Trucks, Motorcycles - 24 Months
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedSep 14, 2026
Details
0.50% Rate Discount Special
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loan
4.25%
36 - 60 months
▼
APR4.25%
Term36 - 60 months
Last UpdatedSep 14, 2026
Details
New 2026-2027
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan - 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As*
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan - 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
As Low As*
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan - 60 Months
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
As Low As*
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Vehicles and Motorcycles (2020 - 2021) Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
Monthly Payment**: $29.64
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) - 36 Months Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) - 48 Months Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
As Low As
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) - 60 Months Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
As Low As
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) - 72 Months Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
As Low As
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
4.25%
48 Months
▼
APR4.25%
Interest Rate4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Interest Rate4.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2018 - 2021 Used Autos
4.30%
48 Months
▼
APR4.30%
Interest Rate4.30%
Term48 Months
Last UpdatedSep 14, 2026
Details
APR4.36%
Interest Rate4.25%
Term48 months
Last UpdatedSep 15, 2026
Details
Based on $35,000 loan amount
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan
4.39%
36 months
▼
APR4.39%
Term36 months
Last UpdatedSep 14, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Auto Loans - 2022 - 2024
4.39%
0 - 36 Months
▼
APR4.39%
Term0 - 36 Months
Last UpdatedSep 14, 2026
Details
As low as; Auto Buying Service APR - 2022 - 2024* as low as 3.64%
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New Auto
4.39%
0 - 36 Months
▼
APR4.39%
Term0 - 36 Months
Last UpdatedSep 14, 2026
Details
As Low As; 2022 - 2024*
CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Vehicle Loan
4.44%
24 Month
▼
APR4.44%
Term24 Month
Last UpdatedSep 14, 2026
Details
CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Vehicle Loan
4.44%
36 Month
▼
APR4.44%
Term36 Month
Last UpdatedSep 14, 2026
Details
Unison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New - 2017 Auto Loan - 36 Months
4.45%
36 Months
▼
APR4.45%
Term36 Months
Last UpdatedSep 14, 2026
Details
Age of Vehicle: New - 2017
Unison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New - 2017 Auto Loan - 48 Months
4.45%
48 Months
▼
APR4.45%
Term48 Months
Last UpdatedSep 14, 2026
Details
Age of Vehicle: New - 2017
Unison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New - 2017 Auto Loan - 60 Months
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedSep 14, 2026
Details
Age of Vehicle: New - 2017
Unison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New - 2017 Auto Loan - 72 Months
4.45%
72 Months
▼
APR4.45%
Term72 Months
Last UpdatedSep 14, 2026
Details
Age of Vehicle: New - 2017
Oshkosh Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan - Up to 60 months
4.48%
60 months
▼
APR4.48%
Term60 months
Last UpdatedSep 14, 2026
Details
Oshkosh Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan - Up to 72 months
4.48%
72 months
▼
APR4.48%
Term72 months
Last UpdatedSep 14, 2026
Details
with Direct Deposit & Autopay
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
New Auto
4.49%
Up to 12 months
▼
APR4.49%
TermUp to 12 months
Last UpdatedSep 14, 2026
Details
As Low As
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New Autos 2022-newer
4.49%
36 mo.
▼
APR4.49%
Term36 mo.
Last UpdatedSep 14, 2026
Details
Apply now
Taylor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos, Trucks, Motorcycles - 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedSep 14, 2026
Details
0.50% Rate Discount Special
Taylor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos, Trucks, Motorcycles - 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 14, 2026
Details
0.50% Rate Discount Special
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
2021 & Newer Auto Loan
4.49%
up to 5 years
▼
APR4.49%
Termup to 5 years
Last UpdatedSep 14, 2026
Details
Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 07/16/2026.
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
2023 & Newer Auto Loan
4.49%
up to 5 years
▼
APR4.49%
Termup to 5 years
Last UpdatedSep 14, 2026
Details
APR* as low as; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 07/16/2026.
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New Auto Loan
4.49%
up to 6 years
▼
APR4.49%
Termup to 6 years
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2023 & newer
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Used Auto Loan
4.49%
up to 5 years
▼
APR4.49%
Termup to 5 years
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2020-2022
Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Vehicle Loan - 24 mo. or less
4.49%
24 mo. or less
▼
APR4.49%
Term24 mo. or less
Last UpdatedSep 14, 2026
Details
As low as*
Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Vehicle Loan - 36 mo.
4.49%
36 mo.
▼
APR4.49%
Term36 mo.
Last UpdatedSep 14, 2026
Details
As low as*
Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Vehicle Loan - 48 mo.
4.49%
48 mo.
▼
APR4.49%
Term48 mo.
Last UpdatedSep 14, 2026
Details
As low as*
Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Vehicle Loan - 60 mo.
4.49%
60 mo.
▼
APR4.49%
Term60 mo.
Last UpdatedSep 14, 2026
Details
As low as*
Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2021 - 2019) - 60 months
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 14, 2026
Details
Credit Grade: (A+) 730+
Meadowland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Auto Loan
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 14, 2026
Details
As Low as
Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
Auto Loan
4.49%
4-5 Years
▼
APR4.49%
Term4-5 Years
Last UpdatedSep 14, 2026
Details
WESTconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Auto Loan
4.49%
Up to 24 Months
▼
APR4.49%
TermUp to 24 Months
Last UpdatedSep 14, 2026
Details
As low as
Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Cars (2023 & older) Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
2025 & Newer Automobiles and Motorcycles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedSep 14, 2026
Details
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedSep 14, 2026
Details
UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Auto Loan
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 14, 2026
Details
Year: 2021-2022; As Low As; Rate includes a .25% discount for automatic payments plus a .25% Relationship Rewards discount when you finance a minimum of $5,000.00 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit.
UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Newer Auto Loan
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 14, 2026
Details
Year: 2023 and Newer; As Low As; Rate includes a .25% discount for automatic payments plus a .25% Relationship Rewards discount when you finance a minimum of $5,000.00 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit.
APR4.50%
Interest Rate4.35%
Term36 months
Last UpdatedSep 15, 2026
Details
Based on $35,000 loan amount
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedSep 14, 2026
Details
As Low As
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loan - 36 - 60 months
4.50%
36 - 60 months
▼
APR4.50%
Term36 - 60 months
Last UpdatedSep 14, 2026
Details
New 2026-2027
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loan - 76 months
4.50%
76 months
▼
APR4.50%
Term76 months
Last UpdatedSep 14, 2026
Details
New 2026-2027
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto Loan
4.50%
36 - 60 months
▼
APR4.50%
Term36 - 60 months
Last UpdatedSep 14, 2026
Details
Used 2023-2026
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Vehicles and Motorcycles (2020 - 2021) Loan - 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedSep 14, 2026
Details
Monthly Payment**: $22.80
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Vehicles and Motorcycles (2020 - 2021) Loan - 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 14, 2026
Details
Monthly Payment**: $18.64
Premier Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Autos, RVs, Motorcycles, Boats, etc. - 36 months
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 14, 2026
Details
Premier Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral -2023 - Newer
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 14, 2026
Details
Lakewood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.67%
Vehicle Loan (2022 & Newer Vehicles) - 24 Months
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 14, 2026
Details
Lakewood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.67%
Vehicle Loan (2022 & Newer Vehicles) - 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details
Lakewood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.67%
Vehicle Loan (2022 & Newer Vehicles) - 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2017 or older Used Autos
4.50%
36 Months
▼
APR4.50%
Interest Rate4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Interest Rate4.50%
Term60 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Interest Rate4.50%
Term72 Months
Last UpdatedSep 14, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Vehicle Loan (2023 & Newer Vehicles)
4.54%
24 Month
▼
APR4.54%
Term24 Month
Last UpdatedSep 14, 2026
Details
CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Vehicle Loan
4.54%
48 Month
▼
APR4.54%
Term48 Month
Last UpdatedSep 14, 2026
Details
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan
4.54%
48 months
▼
APR4.54%
Term48 months
Last UpdatedSep 14, 2026
Details
Prime Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.63%
Auto Loan - 25 - 36 months
4.59%
25 - 36 months
▼
APR4.59%
Term25 - 36 months
Last UpdatedSep 14, 2026
Details
As Low As; *
Prime Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.63%
Auto Loan - Up to 24 months
4.59%
Up to 24 months
▼
APR4.59%
TermUp to 24 months
Last UpdatedSep 14, 2026
Details
As Low As; *
APR4.59%
Interest Rate4.49%
Term72-month
Last UpdatedSep 14, 2026
Details
As Low As
APR4.61%
Interest Rate4.49%
Term60-month
Last UpdatedSep 14, 2026
Details
As Low As
Taylor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos, Trucks, Motorcycles - 60 Months
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedSep 14, 2026
Details
0.50% Rate Discount Special
APR4.64%
Interest Rate4.49%
Term48-month
Last UpdatedSep 14, 2026
Details
As Low As
CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Vehicle Loan
4.64%
24 Month
▼
APR4.64%
Term24 Month
Last UpdatedSep 14, 2026
Details
CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Vehicle Loan
4.64%
36 Month
▼
APR4.64%
Term36 Month
Last UpdatedSep 14, 2026
Details
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan
4.64%
36 months
▼
APR4.64%
Term36 months
Last UpdatedSep 14, 2026
Details
APR4.64%
Interest Rate4.55%
Term60 months
Last UpdatedSep 15, 2026
Details
Based on $35,000 loan amount
APR4.68%
Interest Rate4.49%
Term36-month
Last UpdatedSep 14, 2026
Details
As Low As
Valley Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Auto Loan
4.69%
24 months
▼
APR4.69%
Term24 months
Last UpdatedSep 14, 2026
Details
Iron County Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto & Motorcycles 2026-2025 - 36 months
4.69%
36 months
▼
APR4.69%
Interest Rate4.69%
Term36 months
Last UpdatedSep 14, 2026
Details
Iron County Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto & Motorcycles 2026-2025 - To 24 months
4.69%
To 24 months
▼
APR4.69%
Interest Rate4.69%
TermTo 24 months
Last UpdatedSep 14, 2026
Details
First Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Vehicles - Cars, Trucks, and Motorcycles Loan
4.69%
up to 36 months
▼
APR4.69%
Termup to 36 months
Last UpdatedSep 14, 2026
Details
36 months
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan
4.69%
60 months
▼
APR4.69%
Term60 months
Last UpdatedSep 14, 2026
Details
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
Auto Loans - Model Year 2023+
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Used Auto Loan
4.74%
up to 4 years
▼
APR4.74%
Termup to 4 years
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2016-2019
Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Vehicle Loan
4.74%
72 mo.
▼
APR4.74%
Term72 mo.
Last UpdatedSep 14, 2026
Details
As low as*
Iron County Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto & Motorcycles 2026-2025 - 48 months
4.74%
48 months
▼
APR4.74%
Interest Rate4.74%
Term48 months
Last UpdatedSep 14, 2026
Details
Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2021 - 2019) - 60 months
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 14, 2026
Details
Credit Grade: (A) 680-729
Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2021 - 2019) - 72 months
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 14, 2026
Details
Credit Grade: (A+) 730+
Meadowland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Auto Loan
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedSep 14, 2026
Details
As Low as
Kohler Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Autos and Motorcycles - 37 to 48 Months
4.74%
37 to 48 Months
▼
APR4.74%
Term37 to 48 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2022 and Newer
Kohler Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Autos and Motorcycles - 49 to 60 Months
4.74%
49 to 60 Months
▼
APR4.74%
Term49 to 60 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2022 and Newer
Kohler Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Autos and Motorcycles - Up to 36 Months
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedSep 14, 2026
Details
Model Year: 2022 and Newer
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
2025 & Newer Automobiles and Motorcycles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 14, 2026
Details
CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Vehicle Loan
4.74%
60 Month
▼
APR4.74%
Term60 Month
Last UpdatedSep 14, 2026
Details
Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
Autos
4.74%
2 Years or Less
▼
APR4.74%
Term2 Years or Less
Last UpdatedSep 14, 2026
Details
As low as
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
4.75%
2024-2026
▼
APR4.75%
Term2024-2026
Last UpdatedSep 14, 2026
Details
As Low As
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Auto Loans
4.75%
75 months
▼
APR4.75%
Term75 months
Last UpdatedSep 14, 2026
Details
100% financing is available for terms up to 75 months.
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New and Used Auto - 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
Year: 2023-2021; Credit Tier: Max 100%1 A Credit Tier
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New and Used Auto - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 14, 2026
Details
Year: 2026-2024; Credit Tier: Max 100%1 A Credit Tier
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 14, 2026
Details
As Low As
Taylor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos, Trucks, Motorcycles - 12 Months
4.75%
12 Months
▼
APR4.75%
Term12 Months
Last UpdatedSep 14, 2026
Details
Taylor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos, Trucks, Motorcycles - 24 Months
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedSep 14, 2026
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
New Yet to be Titled Auto Loan
4.75%
Up to 84 Months
▼
APR4.75%
TermUp to 84 Months
Last UpdatedSep 14, 2026
Details
Model Year: New Yet to be Titled
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loan - 36 - 60 months
4.75%
36 - 60 months
▼
APR4.75%
Term36 - 60 months
Last UpdatedSep 14, 2026
Details
New 2026-2027
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loan - 76 months
4.75%
76 months
▼
APR4.75%
Term76 months
Last UpdatedSep 14, 2026
Details
New 2026-2027
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto Loan - 36 - 60 months
4.75%
36 - 60 months
▼
APR4.75%
Term36 - 60 months
Last UpdatedSep 14, 2026
Details
Used 2023-2026
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto Loan - 36-48 months
4.75%
36-48 months
▼
APR4.75%
Term36-48 months
Last UpdatedSep 14, 2026
Details
Used 2017-2019
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto Loan - 60 months
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedSep 14, 2026
Details
Used 2017-2019
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto Loan - 76 months
4.75%
76 months
▼
APR4.75%
Term76 months
Last UpdatedSep 14, 2026
Details
Used 2023-2026
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 14, 2026
Details
As Low As*
Premier Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Autos, RVs, Motorcycles, Boats, etc. - 48 months
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedSep 14, 2026
Details
Premier Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral -2023 - Newer
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedSep 14, 2026
Details
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) - 84 Months Loan
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedSep 14, 2026
Details
As Low As
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Interest Rate4.75%
Term72 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Vehicle Loan
4.75%
84 Months
▼
APR4.75%
Interest Rate4.75%
Term84 Months
Last UpdatedSep 14, 2026
Details
$50,000 minimum required for 84 month term
State Bank of Chilton
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Auto
4.75%
1 to 7 years
▼
APR4.75%
Term1 to 7 years
Last UpdatedSep 16, 2026
Details
New Auto (2021 and newer)
APR4.76%
Interest Rate4.65%
Term48 months
Last UpdatedSep 15, 2026
Details
Based on $35,000 loan amount
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
2017-2021 New & Used Vehicles Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedSep 14, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
2022 - 2026 New & Used Vehicles Loan
4.79%
48-60 months
▼
APR4.79%
Term48-60 months
Last UpdatedSep 14, 2026
Details
First Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Vehicles - Cars, Trucks, and Motorcycles Loan
4.79%
48 months
▼
APR4.79%
Term48 months
Last UpdatedSep 14, 2026
Details
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan
4.79%
48 months
▼
APR4.79%
Term48 months
Last UpdatedSep 14, 2026
Details
Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
New Auto Loan
4.80%
36-month
▼
APR4.80%
Term36-month
Last UpdatedSep 14, 2026
Details
Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
APR4.82%
Interest Rate4.65%
Term36 months
Last UpdatedSep 15, 2026
Details
Based on $30,000 loan amount
CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Vehicle Loan
4.84%
48 Month
▼
APR4.84%
Term48 Month
Last UpdatedSep 14, 2026
Details
Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
Used Auto Loan
4.85%
36-month
▼
APR4.85%
Term36-month
Last UpdatedSep 14, 2026
Details
Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Vehicle Loan
4.89%
202 Months
▼
APR4.89%
Term202 Months
Last UpdatedSep 14, 2026
Details
Term: Used: 2022 - 2023 (60 Months); Qualifications Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month.; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
Indianhead Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Auto Loan
4.89%
24 Months
▼
APR4.89%
Term24 Months
Last UpdatedSep 14, 2026
Details
As Low As;*; Model Year: 2016 - 2022
Prime Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.63%
Auto Loan
4.89%
37 - 48 months
▼
APR4.89%
Term37 - 48 months
Last UpdatedSep 14, 2026
Details
As Low As; *
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New/Used Cars/Trucks (2020 - 2026) - 36 months Loan
4.89%
36 months
▼
APR4.89%
Interest Rate4.89%
Term36 months
Last UpdatedSep 14, 2026
Details
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New/Used Cars/Trucks (2020 - 2026) - 60 months Loan
4.89%
60 months
▼
APR4.89%
Interest Rate4.89%
Term60 months
Last UpdatedSep 14, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Auto Loans - 2022 - 2024
4.89%
37 - 75 Months
▼
APR4.89%
Term37 - 75 Months
Last UpdatedSep 14, 2026
Details
As low as
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Auto Loans - 2025 & Newer
4.89%
76 - 84 Months
▼
APR4.89%
Term76 - 84 Months
Last UpdatedSep 14, 2026
Details
As low as; **76-84 month term available for model years 2025 and newer only.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New Auto - 37 - 75 Months
4.89%
37 - 75 Months
▼
APR4.89%
Term37 - 75 Months
Last UpdatedSep 14, 2026
Details
As Low As; 2022 - 2024*
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New Auto - 76 - 84 Months
4.89%
76 - 84 Months
▼
APR4.89%
Term76 - 84 Months
Last UpdatedSep 14, 2026
Details
As Low As; 2025 & Newer
Southern Lakes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
Titled Vehicles Loan
4.91%
72 Months
▼
APR4.91%
Term72 Months
Last UpdatedSep 14, 2026
Details
As Low As
Southern Lakes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
Titled Vehicles Loan
4.91%
Up to 60 Months
▼
APR4.91%
TermUp to 60 Months
Last UpdatedSep 14, 2026
Details
As Low As
Prime Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.63%
Auto Loan
4.92%
37 - 48 months
▼
APR4.92%
Term37 - 48 months
Last UpdatedSep 14, 2026
Details
As Low As; *; Model Year: 2022 - 2023
Iron County Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto & Motorcycles 2026-2025 - 60 months
4.94%
60 months
▼
APR4.94%
Interest Rate4.94%
Term60 months
Last UpdatedSep 14, 2026
Details
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan
4.94%
60 months
▼
APR4.94%
Term60 months
Last UpdatedSep 14, 2026
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
10 Years Old & Newer Auto Loan
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedSep 14, 2026
Details
Model Year: 10 Years Old & Newer
Sentry Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Vehicle - 10 Years Old & Newer Loan
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedSep 14, 2026
Details
As Low As
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto - 72 mo.
4.95%
72 mo.
▼
APR4.95%
Term72 mo.
Last UpdatedSep 14, 2026
Details
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto - 72 month
4.95%
72 month
▼
APR4.95%
Term72 month
Last UpdatedSep 14, 2026
Details
Tri City National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2020-2025 Used Auto Loan
4.95%
36 Months
▼
APR4.95%
Interest Rate4.90%
Term36 Months
Last UpdatedSep 15, 2026
Details
Tri City National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2025-2026 New Auto Loan
4.95%
36 Months
▼
APR4.95%
Interest Rate4.90%
Term36 Months
Last UpdatedSep 15, 2026
Details
Oshkosh Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan - Up to 24 months
4.98%
Up to 24 months
▼
APR4.98%
TermUp to 24 months
Last UpdatedSep 14, 2026
Details
with Direct Deposit & Autopay; Model Year: 2016 - 2019
Oshkosh Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Auto Loan - Up to 72 months
4.98%
72 months
▼
APR4.98%
Term72 months
Last UpdatedSep 14, 2026
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
New Auto Loans
4.99%
72 Month
▼
APR4.99%
Term72 Month
Last UpdatedSep 14, 2026
Details
Qualifications Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month.; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
Auto Loans - Model Year 2022 & Older
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Used Auto
4.99%
Up to 12 months
▼
APR4.99%
TermUp to 12 months
Last UpdatedSep 14, 2026
Details
As Low As; (5 years & newer)
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New Vehicle Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedSep 14, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Used Vehicle Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedSep 14, 2026
Details
As Low As
Powered by
MonitorBankRates
Muscoda New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
2.75%
36 Months
▼
APR2.75%
Interest Rate2.75%
Term36 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.00%
48 Months
▼
APR3.00%
Interest Rate3.00%
Term48 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.25%
60 Months
▼
APR3.25%
Interest Rate3.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Auto Loans - 2025 & Newer
3.49%
0 - 36 Months
▼
APR3.49%
Term0 - 36 Months
Last UpdatedSep 14, 2026
Details
As low as; Auto Buying Service APR - 2025 & Newer as low as 2.64%
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New Auto
3.49%
0 - 36 Months
▼
APR3.49%
Term0 - 36 Months
Last UpdatedSep 14, 2026
Details
As Low As; 2025 & Newer
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.50%
72 Months
▼
APR3.50%
Interest Rate3.50%
Term72 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Autos
3.75%
84 Months
▼
APR3.75%
Interest Rate3.75%
Term84 Months
Last UpdatedSep 14, 2026
Details
Minimum Balance: $50,000
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
2022 - 2026 New & Used Vehicles Loan
3.79%
36 months
▼
APR3.79%
Term36 months
Last UpdatedSep 14, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Auto Loans - 2025 & Newer
3.89%
37 - 75 Months
▼
APR3.89%
Term37 - 75 Months
Last UpdatedSep 14, 2026
Details
As low as
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New Auto
3.89%
37 - 75 Months
▼
APR3.89%
Term37 - 75 Months
Last UpdatedSep 14, 2026
Details
As Low As; 2025 & Newer
Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
New Auto Loan Special
3.99%
4-6 Years
▼
APR3.99%
Term4-6 Years
Last UpdatedSep 14, 2026
Details
Special*
Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Cars (2026 - 2024) Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
Term: 36 Months - 63 Months; As Low As
APR4.10%
Interest Rate3.95%
Term36 months
Last UpdatedSep 15, 2026
Details
Based on $35,000 loan amount
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New Auto Loan - up to 4 years
4.24%
up to 4 years
▼
APR4.24%
Termup to 4 years
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2023 & newer
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New Auto Loan - up to 5 years
4.24%
up to 5 years
▼
APR4.24%
Termup to 5 years
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2023 & newer
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedSep 14, 2026
Details
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New and Used Auto
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Year: 2026-2024; Credit Tier: Max 100%1 A Credit Tier
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loan
4.25%
36 - 60 months
▼
APR4.25%
Term36 - 60 months
Last UpdatedSep 14, 2026
Details
New 2026-2027
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan - 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As*
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan - 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
As Low As*
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan - 60 Months
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
As Low As*
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) - 36 Months Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) - 48 Months Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
As Low As
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) - 60 Months Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
As Low As
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) - 72 Months Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
As Low As
APR4.36%
Interest Rate4.25%
Term48 months
Last UpdatedSep 15, 2026
Details
Based on $35,000 loan amount
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan
4.39%
36 months
▼
APR4.39%
Term36 months
Last UpdatedSep 14, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New Auto
4.39%
0 - 36 Months
▼
APR4.39%
Term0 - 36 Months
Last UpdatedSep 14, 2026
Details
As Low As; 2022 - 2024*
Unison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New - 2017 Auto Loan - 36 Months
4.45%
36 Months
▼
APR4.45%
Term36 Months
Last UpdatedSep 14, 2026
Details
Age of Vehicle: New - 2017
Unison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New - 2017 Auto Loan - 48 Months
4.45%
48 Months
▼
APR4.45%
Term48 Months
Last UpdatedSep 14, 2026
Details
Age of Vehicle: New - 2017
Unison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New - 2017 Auto Loan - 60 Months
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedSep 14, 2026
Details
Age of Vehicle: New - 2017
Unison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New - 2017 Auto Loan - 72 Months
4.45%
72 Months
▼
APR4.45%
Term72 Months
Last UpdatedSep 14, 2026
Details
Age of Vehicle: New - 2017
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
New Auto
4.49%
Up to 12 months
▼
APR4.49%
TermUp to 12 months
Last UpdatedSep 14, 2026
Details
As Low As
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New Autos 2022-newer
4.49%
36 mo.
▼
APR4.49%
Term36 mo.
Last UpdatedSep 14, 2026
Details
Apply now
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
2021 & Newer Auto Loan
4.49%
up to 5 years
▼
APR4.49%
Termup to 5 years
Last UpdatedSep 14, 2026
Details
Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 07/16/2026.
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
2023 & Newer Auto Loan
4.49%
up to 5 years
▼
APR4.49%
Termup to 5 years
Last UpdatedSep 14, 2026
Details
APR* as low as; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 07/16/2026.
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New Auto Loan
4.49%
up to 6 years
▼
APR4.49%
Termup to 6 years
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2023 & newer
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
2025 & Newer Automobiles and Motorcycles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedSep 14, 2026
Details
UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Newer Auto Loan
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 14, 2026
Details
Year: 2023 and Newer; As Low As; Rate includes a .25% discount for automatic payments plus a .25% Relationship Rewards discount when you finance a minimum of $5,000.00 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit.
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedSep 14, 2026
Details
As Low As
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loan - 36 - 60 months
4.50%
36 - 60 months
▼
APR4.50%
Term36 - 60 months
Last UpdatedSep 14, 2026
Details
New 2026-2027
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loan - 76 months
4.50%
76 months
▼
APR4.50%
Term76 months
Last UpdatedSep 14, 2026
Details
New 2026-2027
Premier Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral -2023 - Newer
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 14, 2026
Details
Lakewood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.67%
Vehicle Loan (2022 & Newer Vehicles) - 24 Months
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 14, 2026
Details
Lakewood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.67%
Vehicle Loan (2022 & Newer Vehicles) - 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details
Lakewood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.67%
Vehicle Loan (2022 & Newer Vehicles) - 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedSep 14, 2026
Details
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Vehicle Loan (2023 & Newer Vehicles)
4.54%
24 Month
▼
APR4.54%
Term24 Month
Last UpdatedSep 14, 2026
Details
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan
4.54%
48 months
▼
APR4.54%
Term48 months
Last UpdatedSep 14, 2026
Details
APR4.64%
Interest Rate4.55%
Term60 months
Last UpdatedSep 15, 2026
Details
Based on $35,000 loan amount
Iron County Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto & Motorcycles 2026-2025 - 36 months
4.69%
36 months
▼
APR4.69%
Interest Rate4.69%
Term36 months
Last UpdatedSep 14, 2026
Details
Iron County Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto & Motorcycles 2026-2025 - To 24 months
4.69%
To 24 months
▼
APR4.69%
Interest Rate4.69%
TermTo 24 months
Last UpdatedSep 14, 2026
Details
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan
4.69%
60 months
▼
APR4.69%
Term60 months
Last UpdatedSep 14, 2026
Details
Iron County Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto & Motorcycles 2026-2025 - 48 months
4.74%
48 months
▼
APR4.74%
Interest Rate4.74%
Term48 months
Last UpdatedSep 14, 2026
Details
MCU Financial Center Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
2025 & Newer Automobiles and Motorcycles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedSep 14, 2026
Details
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Auto Loans
4.75%
75 months
▼
APR4.75%
Term75 months
Last UpdatedSep 14, 2026
Details
100% financing is available for terms up to 75 months.
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New and Used Auto - 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
Year: 2023-2021; Credit Tier: Max 100%1 A Credit Tier
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New and Used Auto - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 14, 2026
Details
Year: 2026-2024; Credit Tier: Max 100%1 A Credit Tier
Sentry Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
New Yet to be Titled Auto Loan
4.75%
Up to 84 Months
▼
APR4.75%
TermUp to 84 Months
Last UpdatedSep 14, 2026
Details
Model Year: New Yet to be Titled
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loan - 36 - 60 months
4.75%
36 - 60 months
▼
APR4.75%
Term36 - 60 months
Last UpdatedSep 14, 2026
Details
New 2026-2027
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto Loan - 76 months
4.75%
76 months
▼
APR4.75%
Term76 months
Last UpdatedSep 14, 2026
Details
New 2026-2027
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 14, 2026
Details
As Low As*
Premier Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral -2023 - Newer
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedSep 14, 2026
Details
N.E.W. Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) - 84 Months Loan
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedSep 14, 2026
Details
As Low As
State Bank of Chilton
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Auto
4.75%
1 to 7 years
▼
APR4.75%
Term1 to 7 years
Last UpdatedSep 16, 2026
Details
New Auto (2021 and newer)
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
2017-2021 New & Used Vehicles Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedSep 14, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
2022 - 2026 New & Used Vehicles Loan
4.79%
48-60 months
▼
APR4.79%
Term48-60 months
Last UpdatedSep 14, 2026
Details
Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
New Auto Loan
4.80%
36-month
▼
APR4.80%
Term36-month
Last UpdatedSep 14, 2026
Details
Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New/Used Cars/Trucks (2020 - 2026) - 36 months Loan
4.89%
36 months
▼
APR4.89%
Interest Rate4.89%
Term36 months
Last UpdatedSep 14, 2026
Details
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New/Used Cars/Trucks (2020 - 2026) - 60 months Loan
4.89%
60 months
▼
APR4.89%
Interest Rate4.89%
Term60 months
Last UpdatedSep 14, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Auto Loans - 2025 & Newer
4.89%
76 - 84 Months
▼
APR4.89%
Term76 - 84 Months
Last UpdatedSep 14, 2026
Details
As low as; **76-84 month term available for model years 2025 and newer only.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New Auto - 37 - 75 Months
4.89%
37 - 75 Months
▼
APR4.89%
Term37 - 75 Months
Last UpdatedSep 14, 2026
Details
As Low As; 2022 - 2024*
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New Auto - 76 - 84 Months
4.89%
76 - 84 Months
▼
APR4.89%
Term76 - 84 Months
Last UpdatedSep 14, 2026
Details
As Low As; 2025 & Newer
Iron County Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
New Auto & Motorcycles 2026-2025 - 60 months
4.94%
60 months
▼
APR4.94%
Interest Rate4.94%
Term60 months
Last UpdatedSep 14, 2026
Details
Sentry Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
10 Years Old & Newer Auto Loan
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedSep 14, 2026
Details
Model Year: 10 Years Old & Newer
Sentry Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Vehicle - 10 Years Old & Newer Loan
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedSep 14, 2026
Details
As Low As
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto - 72 mo.
4.95%
72 mo.
▼
APR4.95%
Term72 mo.
Last UpdatedSep 14, 2026
Details
Wisconsin Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto - 72 month
4.95%
72 month
▼
APR4.95%
Term72 month
Last UpdatedSep 14, 2026
Details
Tri City National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2025-2026 New Auto Loan
4.95%
36 Months
▼
APR4.95%
Interest Rate4.90%
Term36 Months
Last UpdatedSep 15, 2026
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
New Auto Loans
4.99%
72 Month
▼
APR4.99%
Term72 Month
Last UpdatedSep 14, 2026
Details
Qualifications Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month.; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
New Vehicle Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedSep 14, 2026
Details
As Low As
Powered by
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Muscoda Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.00%
36 Months
▼
APR3.00%
Interest Rate3.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.25%
48 Months
▼
APR3.25%
Interest Rate3.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.50%
60 Months
▼
APR3.50%
Interest Rate3.50%
Term60 Months
Last UpdatedSep 14, 2026
Details
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2022 - 2026 Used Autos
3.75%
72 Months
▼
APR3.75%
Interest Rate3.75%
Term72 Months
Last UpdatedSep 14, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
2022 - 2026 New & Used Vehicles Loan
3.79%
36 months
▼
APR3.79%
Term36 months
Last UpdatedSep 14, 2026
Details
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Used Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
Term: 36 Months - 63 Months; As Low As
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2018 - 2021 Used Autos
4.05%
36 Months
▼
APR4.05%
Interest Rate4.05%
Term36 Months
Last UpdatedSep 14, 2026
Details
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New and Used Auto
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Year: 2026-2024; Credit Tier: Max 100%1 A Credit Tier
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan - 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As*
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan - 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
As Low As*
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan - 60 Months
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
As Low As*
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Vehicles and Motorcycles (2020 - 2021) Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
Monthly Payment**: $29.64
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2018 - 2021 Used Autos
4.30%
48 Months
▼
APR4.30%
Interest Rate4.30%
Term48 Months
Last UpdatedSep 14, 2026
Details
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Used Auto Loan
4.49%
up to 5 years
▼
APR4.49%
Termup to 5 years
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2020-2022
Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2021 - 2019) - 60 months
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 14, 2026
Details
Credit Grade: (A+) 730+
Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Cars (2023 & older) Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedSep 14, 2026
Details
APR4.50%
Interest Rate4.35%
Term36 months
Last UpdatedSep 15, 2026
Details
Based on $35,000 loan amount
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto Loan
4.50%
36 - 60 months
▼
APR4.50%
Term36 - 60 months
Last UpdatedSep 14, 2026
Details
Used 2023-2026
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Vehicles and Motorcycles (2020 - 2021) Loan - 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedSep 14, 2026
Details
Monthly Payment**: $22.80
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Vehicles and Motorcycles (2020 - 2021) Loan - 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 14, 2026
Details
Monthly Payment**: $18.64
Athens Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2017 or older Used Autos
4.50%
36 Months
▼
APR4.50%
Interest Rate4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan
4.64%
36 months
▼
APR4.64%
Term36 months
Last UpdatedSep 14, 2026
Details
Evergreen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Used Auto Loan
4.74%
up to 4 years
▼
APR4.74%
Termup to 4 years
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2016-2019
Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2021 - 2019) - 60 months
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 14, 2026
Details
Credit Grade: (A) 680-729
Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2021 - 2019) - 72 months
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 14, 2026
Details
Credit Grade: (A+) 730+
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New and Used Auto - 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
Year: 2023-2021; Credit Tier: Max 100%1 A Credit Tier
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
New and Used Auto - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 14, 2026
Details
Year: 2026-2024; Credit Tier: Max 100%1 A Credit Tier
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 14, 2026
Details
As Low As
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto Loan - 36 - 60 months
4.75%
36 - 60 months
▼
APR4.75%
Term36 - 60 months
Last UpdatedSep 14, 2026
Details
Used 2023-2026
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto Loan - 36-48 months
4.75%
36-48 months
▼
APR4.75%
Term36-48 months
Last UpdatedSep 14, 2026
Details
Used 2017-2019
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto Loan - 60 months
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedSep 14, 2026
Details
Used 2017-2019
Racine Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto Loan - 76 months
4.75%
76 months
▼
APR4.75%
Term76 months
Last UpdatedSep 14, 2026
Details
Used 2023-2026
Sheboygan Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 14, 2026
Details
As Low As*
APR4.76%
Interest Rate4.65%
Term48 months
Last UpdatedSep 15, 2026
Details
Based on $35,000 loan amount
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
2017-2021 New & Used Vehicles Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedSep 14, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
2022 - 2026 New & Used Vehicles Loan
4.79%
48-60 months
▼
APR4.79%
Term48-60 months
Last UpdatedSep 14, 2026
Details
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan
4.79%
48 months
▼
APR4.79%
Term48 months
Last UpdatedSep 14, 2026
Details
APR4.82%
Interest Rate4.65%
Term36 months
Last UpdatedSep 15, 2026
Details
Based on $30,000 loan amount
Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
Used Auto Loan
4.85%
36-month
▼
APR4.85%
Term36-month
Last UpdatedSep 14, 2026
Details
Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New/Used Cars/Trucks (2020 - 2026) - 36 months Loan
4.89%
36 months
▼
APR4.89%
Interest Rate4.89%
Term36 months
Last UpdatedSep 14, 2026
Details
Cloverbelt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New/Used Cars/Trucks (2020 - 2026) - 60 months Loan
4.89%
60 months
▼
APR4.89%
Interest Rate4.89%
Term60 months
Last UpdatedSep 14, 2026
Details
1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan
4.94%
60 months
▼
APR4.94%
Term60 months
Last UpdatedSep 14, 2026
Details
Tri City National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2020-2025 Used Auto Loan
4.95%
36 Months
▼
APR4.95%
Interest Rate4.90%
Term36 Months
Last UpdatedSep 15, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Used Auto
4.99%
Up to 12 months
▼
APR4.99%
TermUp to 12 months
Last UpdatedSep 14, 2026
Details
As Low As; (5 years & newer)
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Used Vehicle Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedSep 14, 2026
Details
As Low As
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Muscoda, WI Auto Loan Rate Trends
Compare local Muscoda, WI auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Auto Loan WI Avg
6.027%
▼ 0.050 vs 7 days ago
Wisconsin new auto rates fell 0.050 points over the past 7 days to 6.027% APR.
Used Auto Loan WI Avg
6.778%
▲ 0.136 vs 7 days ago
Wisconsin used auto rates rose 0.136 points over the past 7 days to 6.778% APR.
As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Muscoda, WI Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Wisconsin figures.
Current New Auto Avg
6.03%
APR, as of Sep 16, 2026
6-Month Forecast
6.11%
Fed hold assumed
12-Month Forecast
6.18%
Range: 5.83% to 6.38%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Wisconsin APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.03% APR WI average | Used Auto @ 6.78% APR WI average | Monthly Difference |
|---|---|---|---|
| $15,000 | $290.18/mo | $295.45/mo | $5.27/mo |
| $25,000 | $483.63/mo | $492.41/mo | $8.78/mo |
| $35,000 | $677.09/mo | $689.38/mo | $12.29/mo |
| $45,000 | $870.54/mo | $886.34/mo | $15.80/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Muscoda, Wisconsin
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Muscoda, Wisconsin locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Wisconsin. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Muscoda, Wisconsin high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Muscoda, Wisconsin CD rates lock in a guaranteed return until you’re ready to buy
Muscoda, Wisconsin Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$40,451
Median Individual Earnings
National avg: $47,340
4.6%
Unemployment Rate
National avg: 4.8%
12.5%
Poverty Rate
National avg: 11.1%
$580/mo
Payment on a $30K / 60-mo Loan
At WI new-auto avg 6.03% APR
A $580 monthly car payment works out to roughly 17.2% of the median individual income in Muscoda, Wisconsin. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Muscoda, Wisconsin, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Muscoda, Wisconsin. We’ve prefilled the APR with today’s WI new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Muscoda, Wisconsin auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Muscoda, Wisconsin directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Muscoda, Wisconsin. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in WI.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Muscoda, Wisconsin
How does my credit score affect my car loan rate in Wisconsin?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Muscoda, Wisconsin with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Wisconsin *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Muscoda, Wisconsin typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in Muscoda, Wisconsin?
Yes. A preapproval from a bank or credit union serving Muscoda, Wisconsin gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Muscoda, Wisconsin can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Muscoda, Wisconsin?
Based on our current data, some of the lowest auto loan rates available in Muscoda, Wisconsin include:
- Athens Area Credit Union: 2.75% (New Autos)
- Baxter Credit Union: 3.49% (Auto Loans - 2025 & Newer)
- Oshkosh Community Credit Union: 3.73% (Auto Loan - Up to 36 months)
- Meadowland Credit Union: 3.74% (Auto Loan)
- Health Care Credit Union: 3.74% (Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Muscoda, Wisconsin. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 16, 2026
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