Auto Loan Options

What will my

monthly payment be?

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Auto Rates

 Rate APR
as low as
New Cars, Trucks and Vans (2019 and Newer)
Up to 48 Monthsas low as 5.49%
Up to 63 Monthsas low as 5.99%
Up to 75 Months (loan minimum $15,000)as low as 6.24%
Up to 84 Months (loan minimum $25,000)as low as 6.99%
Used Cars, Trucks and Vans:
2016-2018 - Up to 75 Months ($15,000 loan minimum for 61-75 mos.)
as low as 6.99%
2016-2018 - Up to 84 Months (loan minimum is $25,000)
as low as 7.74%
2012-2015 - Up to 75 Months ($15,000 loan minimum for 61-75 months)
as low as 7.24%7.79%
2012-2015 - Up to 84 Months (loan minimum is $25,000)
as low as 7.99%
2011 and older - Up to 63 Months
as low as 7.49%

Check out our unbeatable auto rates!

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Have a question?

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Resources to help you find your new ride.


Find a great car with AutoSMART

AutoSMART and Emery Federal Credit Union is your one-stop shop for purchasing your next vehicle! Our partnership provides an easy and affordable way to shop.

With AutoSMART, you can:

  • Shop local dealership’s inventory: search vehicles by new or used, make, model, and vehicle type.
  • Shop from home: shop and compare vehicles without the hassle of driving around to dealerships.
  • Buy with confidence: with price comparison, know you are getting the best deal before going to the dealership.

Get pre-approved for your next auto loan and drive away with the perfect car for you and your family!
Start browsing now!


Shop on Carvana and get an exclusive $100 cash reward for credit union members!*

With Carvana, you can:

  • Browse certified inventory: low mileage, no reported accidents, 150-point inspection.
  • Shop from home: buy online with delivery or pickup available as soon as the next day.
  • Buy with confidence: 7-day money back guarantee, 100-day warranty.

Get pre-approved for your auto loan today and start shopping over 20,000 vehicles with Carvana, all from the comfort of home!
Click here to start browsing!


* Valid only for Carvana purchases through See Terms and Conditions.

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