When it's time for a loan be sure to call us. We have auto loans as low as 1.99% APR! Rates will vary depending on your credit score, the services you use at the credit union, and the length of term of the loan. Payment example: Pay just $28.64 per month at 1.99% for every $1,000 borrowed with a 36 month term. Scroll down for more details on consumer loan rates.