--- title: "US Credit Union Auto Loan Rates" description: "Auto loan rate data from 1,257+ credit unions across 53 states. Avg 60-mo new-car APR 5.52% (May 2026). Free state-level summary (CC BY 4.0); full dataset via the API." canonical: "https://rateapi.dev/auto-loan-data" last-updated: "2026-10-31" source: "https://rateapi.dev/llms.txt" --- # US Credit Union Auto Loan Rates Data period: 2026-08-01 to 2026-08-31 **In short:** This open dataset covers 7,737 auto loan rates from 1,257+ US credit unions across 53 states for 2026-08-01 to 2026-08-31. The average 60-month new-car APR is **5.52%** and the average 60-month used-car APR is **6.47%** . State 60-month averages range from **3.78%** (DC) to **8.31%** (WV). The state-level summary is free under CC BY 4.0; the full rate-level data is served by the [RateAPI auto loan rates API](https://rateapi.dev/auto-loan-rates) . For a live national reference rate, see the [auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) . 1 ## National Rate Overview The average credit union 60-month auto loan APR is **5.52% for new vehicles** and **6.47% for used vehicles** in this snapshot. Rates below show the average APR across all credit unions in the dataset, broken down by loan term (24–84 months) and vehicle condition. State averages range from **3.78%** (DC) to **8.31%** (WV) for 60-month terms. Average APR by Loan Term 2 ## State Comparison Compare average auto loan APR across US states. Use the dropdowns to filter by loan term and vehicle condition. States with fewer than 2 data points are excluded. Average APR by State 24 months 36 months 48 months 60 months 72 months 84 months All Conditions Unspecified New Used 3 ## Rates by Credit Score Many credit unions price their auto loans by credit score tier. This chart shows the average APR for each tier, extracted from product name data across 111 rate records that include credit score information. Average APR by Credit Score Tier 4 ## Data Coverage Breakdown by vehicle condition and loan term showing the average, minimum, and maximum APR along with the number of rate observations in each bucket. | Condition | Term | Avg APR | Min | Max | Count | | new | 24mo | 4.86% | 2.99% | 7.74% | 43 | | new | 36mo | 4.78% | 2.75% | 13.95% | 218 | | new | 48mo | 5.10% | 2.99% | 12.00% | 241 | | new | 60mo | 5.52% | 3.00% | 14.95% | 332 | | new | 72mo | 5.72% | 3.45% | 15.95% | 370 | | new | 84mo | 5.96% | 3.74% | 16.95% | 423 | | used | 24mo | 6.08% | 3.35% | 11.00% | 65 | | used | 36mo | 6.04% | 2.75% | 16.50% | 331 | | used | 48mo | 6.51% | 2.75% | 17.00% | 412 | | used | 60mo | 6.47% | 3.50% | 17.50% | 535 | | used | 72mo | 6.29% | 4.00% | 16.00% | 432 | | used | 84mo | 6.56% | 4.45% | 16.95% | 285 | | Unspecified | 24mo | 5.45% | 3.20% | 14.75% | 144 | | Unspecified | 36mo | 5.43% | 2.99% | 16.49% | 575 | | Unspecified | 48mo | 5.81% | 3.24% | 18.00% | 647 | | Unspecified | 60mo | 6.24% | 3.35% | 18.49% | 983 | | Unspecified | 72mo | 6.14% | 3.25% | 17.15% | 883 | | Unspecified | 84mo | 6.38% | 3.74% | 20.00% | 818 | 5 ## Get the Data The state-level summary is free to download under CC BY 4.0 — cite RateAPI and use it for research, journalism, or apps. The full rate-level dataset — every credit union, every product, refreshed daily — is served through the REST API, which starts with a free key. 📋 #### Summary JSON (free) Pre-aggregated by state, term, and condition. CC BY 4.0. ⚡ #### Full dataset via API Every rate record, refreshed daily, filterable by state, term, and credit tier. [application/json](https://rateapi.dev/data/auto-loan-rates/auto-loan-rates-summary.json) [free API key](https://rateapi.dev/rates-api) ``` # Full rate-level data via the API curl "https://api.rateapi.dev/v1/rates?category=auto&state=TX" \ -H "Authorization: Bearer YOUR_API_KEY" ``` 6 ## Schema Each record in the JSON file contains the following fields: `credit_union_name` Name of the credit union (string) `credit_union_state` Two-letter US state code, e.g. "CA" `product_name` Original product name from the source website `display_name` Readable product label (e.g. "48-Month Certificate"); product_name is the raw source name `rate` Base interest rate before fees (number, e.g. 4.25) `apr` Annual Percentage Rate including fees (number, e.g. 4.375) `term_months` Loan term in months (number, e.g. 60). Filtered to 24, 36, 48, 60, 72, 84. `vehicle_condition` Vehicle condition: "new", "used", "any", or null `vehicle_type` Vehicle category (null in this filtered dataset — car loans only) `vehicle_year_min` Minimum model year this rate applies to (number or null) `vehicle_year_max` Maximum model year this rate applies to (number or null) `credit_score_min` Minimum credit score for this tier (number or null, e.g. 740) `credit_score_max` Maximum credit score for this tier (number or null, e.g. 850) `credit_score_tier` Credit tier label: "Excellent", "Good", "Fair", "Below Average", "Poor" or null `loan_purpose` Loan purpose: "purchase", "refinance", "any", or null `credit_union_city` City of the credit union (string or null) `source_url` URL of the credit union rate page (string or null) `special_type` Special financing type (null, "electric", "commercial") `scraped_at` ISO 8601 timestamp of when rate was collected 7 ## Frequently Asked Questions ### What is the average credit union auto loan rate right now? In the 2026-08-01 to 2026-08-31 snapshot, the average 60-month new-car APR across 1,257+ US credit unions is **5.52%** , and the average 60-month used-car APR is **6.47%** . State 60-month averages range from 3.78% (DC) to 8.31% (WV). ### Is the dataset free to download and use? Yes. It is released under the CC BY 4.0 license, so it is free for research, apps, journalism, or commercial use as long as you attribute RateAPI. Download it as JSON, CSV, or a pre-aggregated summary JSON above. ### How often is the data updated? This open dataset is a monthly snapshot collected from official credit union websites. For rates refreshed daily across 3,700+ credit unions, use the [RateAPI auto loan rates API](https://rateapi.dev/auto-loan-rates) . ### How do I get live rates instead of a snapshot? Use the RateAPI REST API for daily-updated rates with filtering by state, term, credit tier, and vehicle condition. See the [auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) for a live national reference rate, or the [methodology](https://rateapi.dev/methodology) for how rates are collected. ## Need Real-Time Data? This open dataset is a monthly snapshot. For live rates updated daily from 3,700+ credit unions with personalized recommendations, use the RateAPI. [Explore API Docs](https://api.rateapi.dev/) [Full Dataset Documentation](https://rateapi.dev/auto-loan-rate-dataset) RateAPI RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence. 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