---
title: "St Louis Credit Unions Auto Loan Rates Comparison 2026"
description: "Compare St. Louis CU auto loan rates: Policemen's at 3.50%, First Community 4.75%, Together 4.64%. See tables, tips, and savings for most vehicles in 63101 area."
canonical: "https://sidekick.vin/answers/st-louis-credit-unions-auto-loan-rates-comparison"
type: "qa"
vertical: "financing"
lastModified: "2026-02-26T13:39:57.337Z"
keywords: ["St Louis credit unions auto loan rates", "St. Louis car loan comparison", "lowest auto loans St Louis CU", "new used vehicle financing 63101", "credit union APR St Louis"]
---
# St Louis credit unions auto loan rates comparison

> **Quick Answer:** St. Louis Policemen's Credit Union offers the lowest auto loan rates starting at 3.50% APR for new and used vehicles. First Community CU follows at 4.75%, then Together CU at 4.64% for new autos.

**Category:** financing
**Question Type:** comparison

**Related Questions:**
- What are the best auto loan rates from St. Louis credit unions?
- Compare car loan APRs at St. Louis CUs
- St. Louis CU new vs used vehicle loan rates
- Lowest auto financing rates in St. Louis area
- Which St. Louis credit union has the cheapest car loans?

---
# 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
1. Check your credit score free at AnnualCreditReport.com.
2. Get pre-approved from 2-3 credit unions. This locks in your rate.
3. Compare total costs: Use a loan calculator to see monthly payments.
4. 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.