--- title: "Highway Alliance Credit Union Rates: Vehicle 6.00%, Personal 12.25%" description: "Highway Alliance Credit Union rates today: vehicle loans from 6.00% APR, personal loans from 12.25% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Highway Alliance Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/missouri/highway-alliance" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Highway Alliance Credit Union Rates: Vehicle 6.00%, Personal 12.25% ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **New:(Never titled)** auto_new | — APR | 4.750% | new | Standard | | **Used Auto Loan (2023–2026)** auto_used | — APR | 5.000% | used | Standard | | **Used Auto Loan (2014–2022)** auto_used | — APR | 5.500% | used | Standard | | **Used Auto Loan (2004–2013)** auto_used | — APR | 5.750% | used | Standard | | **Used Auto Loan (2003 and Older)** auto_used | 6.000% APR | 6.000% | used | Standard | | **New Boat/Trailer/ATV/Motorcycle** boat_new | — APR | 6.000% | new | Standard | | **New UTV (same term as titled)** powersports_new | — APR | 6.750% | new | Standard | | **Used UTV (same term as titled)** powersports_used | — APR | 7.000% | used | Standard | | **Used Boat/Trailer/ATV/Motorcycle** boat_used | — APR | 7.000% | used | Standard | Highway Alliance Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loans $5,000 or greater (close end loans)** personal_unsecured | — APR | 10.250% | — | Standard | | **Signature Loans $4,999 or less (close end loans)** personal_unsecured | — APR | 11.250% | — | Standard | | **Line of Credit & over draft** ploc_variable | 12.250% APR | 12.250% | — | Standard | Highway Alliance Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Visa Classic** credit_card | — APR | 8.900% | — | Standard | | **Platinum Credit Card** credit_card_platinum | — APR | 9.900% | — | Standard | Highway Alliance Credit Union credit card rates as of November 13, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Tractors, Mowers,Farm equip.** equipment | — APR | 8.500% | — | Standard | Highway Alliance Credit Union equipment loan rates as of November 13, 2026 Vehicle loans available from 6% APR. Personal loan rates from 12.25% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/missouri/highway-alliance) , verified from [Highway Alliance Credit Union's official website](https://www.hacu4u.com/) Best product position **Better than the Missouri median** used-car loan Gap to state best **125 bp** 125 bp from state best Vs. state median **99 bp better than median** used-car loan Products ranked **2** across tracked Missouri markets | Product | Published APR | Position | Vs. state best | Vs. state median | | used-car loan | 6.00% | Better than the Missouri median | 125 bp from state best | 99 bp better than median | | personal loan | 12.25% | Room to improve vs. the Missouri median | 975 bp from state best | 175 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Highway Alliance Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=highway-alliance&state=missouri&code=MO&name=Highway%20Alliance%20Credit%20Union) Loading branch locator… ## About Highway Alliance Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.6K Assets $28.6M Founded 1958 Locations reported 1 NCUA charter 67700 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Multipli** Jefferson City West Branch · Jefferson City · MO · 65109-0535 About 1.8 miles away](https://rateapi.dev/credit-unions/missouri/multipli) [**Conservation Employees** Conservation Employees' Credit Union · Jefferson City · MO · 65109-0580 About 3.0 miles away](https://rateapi.dev/credit-unions/missouri/conservation-employees) [**Emerald Credit Association** CSPI- Aurora · Jefferson City · MO · 65109 About 3.3 miles away](https://rateapi.dev/credit-unions/south-carolina/emerald-credit-association) [**Internal Revenue Employees** CSPI INC · Jefferson City · MO · 65109-4755 About 3.3 miles away](https://rateapi.dev/credit-unions/north-carolina/internal-revenue-employees) [**Knox Co. Employees** AURORA ADVANTAGE DATA CU DATA CENTER · JEFFERSON CITY · MO · 65109 About 3.3 miles away](https://rateapi.dev/credit-unions/tennessee/knox-co-employees) [**Penntech Employees** CSPI · Jefferson City · MO · 65109 About 3.3 miles away](https://rateapi.dev/credit-unions/pennsylvania/penntech-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Highway Alliance Credit Union Membership eligibility from Highway Alliance Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Highway Alliance Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Missouri State Highway Patrol GHQ, and Troops F & I, Missouri Department of Transportation Central District & Central Office, MoDOT and Patrol Employees Retirement System (MPERS) - Association Missouri State Troopers Association, Missouri Transportation Association Verified from [Highway Alliance Credit Union's membership page](https://www.hacu4u.com/Join.html) . Final membership determination is always made by the credit union. ## Membership rules for Highway Alliance Credit Union Employers 3 · Associations 2 · Family 6 published paths to membership, last verified September 13, 2026, quoted from Highway Alliance Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Employee of Missouri State Highway Patrol GHQ, and Troops F & I “Missouri State Highway Patrol GHQ, and Troops F & I employees and family members” > [source ↗](https://www.hacu4u.com/Join.html) - Employee of Missouri State Highway Patrol GHQ, and Troops F & I - Employee of Missouri Department of Transportation Central District & Central Office “Missouri Department of Transportation Central District & Central Office employees and family members” > [source ↗](https://www.hacu4u.com/Join.html) - Employee of Missouri Department of Transportation Central District & Central Office - Employee of MoDOT and Patrol Employees Retirement System (MPERS) “MoDOT and Patrol Employees Retirement System (MPERS) employees and family members” > [source ↗](https://www.hacu4u.com/Join.html) - Employee of MoDOT and Patrol Employees Retirement System (MPERS) ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Member of Missouri State Troopers Association “Missouri State Troopers Association members and their family members” > [source ↗](https://www.hacu4u.com/Join.html) - Member of Missouri State Troopers Association - Member of Missouri Transportation Association “Missouri Transportation Association members and their family members” > [source ↗](https://www.hacu4u.com/Join.html) - Member of Missouri Transportation Association ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Family of a member family “Missouri State Troopers Association members and their family members” > [source ↗](https://www.hacu4u.com/Join.html) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Highway Alliance Credit Union? Yes No ## Work at Highway Alliance Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Highway Alliance Credit Union ranks against Missouri peers. - See which AI assistants fetched Highway Alliance Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Missouri - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=highway-alliance&state=missouri&code=MO&name=Highway%20Alliance%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Highway Alliance Credit Union offer? Highway Alliance Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Highway Alliance Credit Union rates updated? RateAPI verifies Highway Alliance Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Highway Alliance Credit Union's rate data? Rate data is collected directly from Highway Alliance Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Highway Alliance Credit Union's auto, boat & powersports loan rates? As of November 13, 2026, Highway Alliance Credit Union offers vehicle loans from 6% APR. ### What is Highway Alliance Credit Union's personal loan rate? As of November 13, 2026, Highway Alliance Credit Union offers personal loans from 12.25% APR. ### Who can join Highway Alliance Credit Union? Highway Alliance Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 3 employers and 2 associations for Highway Alliance Credit Union, each quoted from Highway Alliance Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Highway Alliance Credit Union's rates against national credit-union benchmarks. [More Missouri credit unions](https://rateapi.dev/credit-unions/missouri) [Missouri auto loan rate leaders](https://rateapi.dev/auto-loan-rates/missouri) [Missouri personal loan leaders](https://rateapi.dev/personal-loan-rates/missouri) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.hacu4u.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Highway Alliance Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Missouri credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Highway Alliance Credit Union curl "https://api.rateapi.dev/credit-unions/missouri /highway-alliance " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Highway Alliance Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/missouri/highway-alliance Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp