Your rate is determined by your credit bureau FICO score. Check with a loan officer to determine your rate. For a $15,000 auto loan with a term of 60 months and 3.45% APR, the monthly payment will be $273. Rates, terms, and conditions subject to change and may vary based on qualifications, including creditworthiness and loan-to-value ratio, as well as age and mileage of the vehicle. All loans subject to approval. Term will vary based on loan amount, 72-month term requires loan amount of $10,000, and 84-month term requires loan amount of $20,000. Not all borrowers will qualify for the same rate. Rates are based on the borrower’s creditworthiness, which includes factors such as debt ratio and credit history. Other restrictions may apply. See credit union for full details. Federally insured by the NCUA. Rates as low as.