--- title: "Emery Credit Union Rates (Nov 2026): Auto 6.85%" description: "Emery Credit Union rates today: auto loans from 6.85% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Emery Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/ohio/emery" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Emery Credit Union Rates (Nov 2026): Auto 6.85% ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Up to 75 Months (loan minimum $15,000)** auto_any_75mo | 6.850% APR | 6.240% | 75 mo | Standard | | **Up to 84 Months (loan minimum $25,000)** auto_any_84mo | 7.320% APR | 6.990% | 84 mo | Standard | | **2018-2021 - Up to 75 Months ($15,000 loan minimum for 61-75 mos.)** auto_any_75mo | 8.110% APR | 7.490% | 75 mo | Standard | | **2014-2017 - Up to 75 Months ($15,000 loan minimum for 61-75 months)** auto_any_75mo | 8.360% APR | 7.740% | 75 mo | Standard | | **2018-2021 - Up to 84 Months (loan minimum is $25,000)** auto_any_84mo | 8.580% APR | 8.240% | 84 mo | Standard | | **2014-2017 - Up to 84 Months (loan minimum is $25,000)** auto_any_84mo | 8.830% APR | 8.490% | 84 mo | Standard | | **Up to 63-Month Used Auto Loan (2013 and Older)** auto_used_63mo | 9.100% APR | 7.990% | 63 mo · used | Standard | Emery Credit Union auto & vehicle rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Wall Street Journal Prime Rate** other | — % | 7.000% | — | Standard | Emery Credit Union other rates as of November 13, 2026 Auto loans available from 6.85% APR for 75 months. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/ohio/emery) , verified from [Emery Credit Union's official website](https://www.emeryfcu.org/) Best product position **Room to improve vs. the Ohio median** used-car loan Gap to state best **535 bp** 535 bp from state best Vs. state median **286 bp behind median** used-car loan Products ranked **1** across tracked Ohio markets | Product | Published APR | Position | Vs. state best | Vs. state median | | used-car loan | 9.10% | Room to improve vs. the Ohio median | 535 bp from state best | 286 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Emery 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=emery&state=ohio&code=OH&name=Emery%20Credit%20Union) ## Who Can Join Emery Credit Union Membership eligibility from Emery Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Emery Credit Union's website. Check the membership page below to confirm whether you qualify. - Location hamilton, butler, warren — OH Verified from [Emery Credit Union's membership page](https://www.emeryfcu.org/resources/credit-union/about-us/) . Final membership determination is always made by the credit union. ## Membership rules for Emery Credit Union Geography 3 counties 12 published paths to membership, last verified November 8, 2026, quoted from Emery Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Butler County, OH - Hamilton County, OH - Warren County, OH “In June 2016, our membership structure changed to allow us to serve anyone who lives, works, worships or attends school in Hamilton, Butler or Warren counties in Ohio.” > [source ↗](https://www.emeryfcu.org/resources/credit-union/about-us/) 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 Emery Credit Union? Yes No ## Work at Emery 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 Emery Credit Union ranks against Ohio peers. - See which AI assistants fetched Emery Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Ohio - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=emery&state=ohio&code=OH&name=Emery%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Emery Credit Union offer? Emery Credit Union currently offers Auto loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Emery Credit Union rates updated? RateAPI verifies Emery 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 Emery Credit Union's rate data? Rate data is collected directly from Emery 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 Emery Credit Union's auto loan rates? As of November 13, 2026, Emery Credit Union offers auto loans from 6.85% APR. ### Who can join Emery Credit Union? Emery Credit Union publishes its membership criteria on its own website. RateAPI tracks 12 published membership paths covering 3 counties for Emery Credit Union, each quoted from Emery Credit Union's own published membership criteria. ## Related Rate Data Compare Emery Credit Union's rates against national credit-union benchmarks. [More Ohio credit unions](https://rateapi.dev/credit-unions/ohio) [Ohio auto loan rate leaders](https://rateapi.dev/auto-loan-rates/ohio) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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.emeryfcu.org/) ### 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 Emery Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Ohio 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 Emery Credit Union curl "https://api.rateapi.dev/credit-unions/ohio /emery " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Skip to main content --- Source: https://rateapi.dev/credit-unions/ohio/emery Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp