St Louis Credit Unions Auto Loan Rates Comparison
St. Louis Policemen's Credit Union leads with auto loan rates starting at 3.50% APR for new and used vehicles. First Community Credit Union offers rates as low as 4.75% on 36-month terms. Together Credit Union has new auto rates from 4.64% up to 63 months. These rates apply to most vehicles and depend on your credit score.
Key Rate Comparison Table (February 2026 Data)
Here's a side-by-side look at the best rates from top St. Louis area credit unions. Rates shown are the lowest available for qualified borrowers.
| Credit Union | New Auto (36-63 mo) | Used Auto (36-63 mo) | Longer Terms (72-84 mo) |
|---|---|---|---|
| St. Louis Policemen's CU | 3.50% | 3.50% | Not listed |
| Together CU | 4.64% | 4.99% | 6.49% (used) |
| First Community CU | 4.75% | 4.75% | 6.50% |
| Century CU | 4.74% | Varies by year | 6.24% (84 mo) |
"Credit unions beat bank rates by up to 1.5% on average for auto loans," says the Sidekick Research Team, based on analysis of 1,200 St. Louis area transactions (Source: Sidekick Owner Data, 2026).
What Affects Your Rate?
Your exact APR depends on three main factors:
- Credit score: Scores above 740 get the lowest rates.
- Loan term: Shorter terms (36-60 months) save money. Pick 48 months or less to cut interest.
- Vehicle type: New autos often get better rates than used. Most vehicles qualify.
According to Bankrate's 2026 auto financing report, St. Louis drivers save $1,800 over five years by choosing credit unions over banks (Source: Bankrate Auto Loan Analysis, 2026).
Steps to Get the Best Rate
- Check your credit score free at AnnualCreditReport.com.
- Get pre-approved from 2-3 credit unions. This locks in your rate.
- Compare total costs: Use a loan calculator to see monthly payments.
- Refinance if your rate tops 5.50%. Many drivers cut payments by 1-2%.
For a $25,000 loan over 60 months at 4.75%, you pay $472 monthly. At 3.50%, that drops to $455. Save $1,080 over the loan term.
Sidekick helps you compare real owner costs across insurance, maintenance, and financing. Enter your zip code (like 63101) to see personalized totals for most vehicles.
Recreational Vehicle Rates
Need a boat or RV loan? First Community starts at 6.25% for up to 60 months. Together CU offers 8.14% for 36-60 months. Shop these if your vehicle fits.
Rates change monthly. Call credit unions directly for your quote. Shop now to lock in savings on your next vehicle.