Auto Loan Rates

Standard Auto Loan Rates

Direct Auto Loan (Purchases or Refinances)

The Fixed Annual Percentage Rates (APR) are for illustrative and educational purposes only. You will receive your actual rate once you have applied for a loan. Subject to change without notice.

SelectPoint/Additional Programs
• Additional auto programs available for impaired credit through our SelectPoint Program. Eligibility, applicable vehicle model years, rates, advances and terms for this program will be determined by a loan officer. Not all discounts are available to the SelectPoint program.
• Additional auto programs available for Career Professionals. Eligibility, rate and terms for this program will be determined by a loan officer.

Apply Online for an Auto Loan from KeyPoint Credit Union or call (888) 255-3637.

The final loan rate cannot be lower than the FLOOR RATE of 1.99%.²


Minimum Loan Amount:
The minimum loan amount is $5,000.00 Loan requests for less than $5,000.00 will be reviewed on an exception basis only.

90-Day Deferral of First Payment:
Available on all programs unless otherwise stipulated as a condition for loan approval.

Refinance of a current KeyPoint Credit Union Auto Loan:
When refinancing an existing KeyPoint Credit Union Auto Loan to take advantage of a lower rate, there is a $250.00 refinance fee required  This fee can be added to the loan balance or paid out of pocket. Otherwise refinances will be booked at the higher existing rate with the new terms.

Payment Examples:

• Pay $28.97 per month per $1,000 borrowed at 2.74% APR for 36-months
• Pay $23.38 per month per $1,000 borrowed at 19.00% APR for 72-months

Apply Online for an Auto Loan from KeyPoint Credit Union or call (888) 255-3637.



Rates Effective: February 22, 2013.
¹ Must be on KeyPoint Credit Union Green Vehicle list.
² Floor Rate: The lowest possible contract rate can be no lower than 1.99%.
³ Rate range from 1.99% to 19.00% APR depending on creditworthiness, qualification for discounts and other factors. APR's accurate 2/22/2013; subject to change. Lower credit quality, longer terms and a different type of loan will affect the final rate. Your actual APR will be determined when a credit decision is made and may be higher than the lowest rate available. The 72 and 84 month terms option is not available on all vehicle loan programs, availability will be determined when a credit decision is made. Discounts available for specific green vehicles¹, automatic payments. Rate will in no event be lower than 1.99%. All rates and terms subject to change without notice.

*Rate range from 1.99% to 19.00% APR depending on creditworthiness, cash back election (if applicable), qualification for discounts and other factors. APR’s accurate 02/23/2013; subject to change. Lower credit quality, longer terms and a different type of loan will affect the final rate. Your actual APR will be determined when a credit decision is made and may be higher than the lowest rate available. The 72 and 84 month terms option is not available on all vehicle loan programs, availability will be determined when a credit decision is made.

All rates, terms, programs and structures are subject to change at KeyPoint Credit Union's discretion.