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  1. Personal
  2. Credit Union Loans
  3. Vehicle Loans
  4. Car Loans

Car Loans

With a Delta Community Car Loan, you can get that new ride you’ve been dreaming about. Right now, through May 31, 2026, we’re offering rates as low as 3.69% APR1 on New and Used Car Loans for well-qualified borrowers with excellent credit. Be sure to also check out our great, low rates for Recreational Vehicle Loans also starting as low as 3.69% APR1 available only for a limited time. Whatever you’re in the market for—now’s a great time to buy. 

Learn More about Car Loans Apply Now for Car Loans

Overview & Benefits

Great Rates and Service

In addition to our low rates, you get the friendly, knowledgeable service you expect from Delta Community, along with some added benefits that make it easier to get started:

  • No application fee
  • Easy online application
  • Affordable payment options
  • No pre-payment penalties
  • Simple electronic closing process

And, it's not too late to take advantage of Delta Community's great low rates, even if you financed your car or truck elsewhere. Ask us how to refinance today!

More Member Benefits

And, like many dealers, Delta Community offers Mechanical Breakdown Protection (MBP)2 that can be factored into your car loan. But, unlike the dealer, we offer our members exclusive rates and features that can save you hundreds of dollars over the long run. Ask your Loan Consultant for more information about our loan protection options.

Want some help finding the right auto?

There are a few ways we can help. It's just another one of the many complementary benefits of being part of Delta Community.

Take the guesswork out of purchasing a car with our Auto Calculators. Determine how much vehicle you can afford, or calculate the financial impact of leasing an auto over purchasing it outright. These handy tools can even help you decide if you should upgrade to a more fuel efficient vehicle.

Our Financial Education Center is designed to improve the financial lives of our members. In addition to online courses, Delta Community Credit Union offers in-person seminars and workshops on a variety of financial topics, including buying a car and using credit wisely.

Routing Number

Where's our routing number when you need it?
Right here:

261071315

Related Links

Rates

A Car Loan where great rates come standard

Take a look at these rates and terms for new and used cars—we have great, competitive rates and affordable payment options. Use our handy auto loan calculators and compare rates to help find the best option for you. To estimate payment amounts, see our Car Loan Calculator.

New Cars**

Term APR*
Up to 12 months 3.69% to 14.39%
Term:
Up to 12 months
APR*:
3.69% to 14.39%
24 months 3.69% to 14.39%
Term:
24 months
APR*:
3.69% to 14.39%
36 months 3.69% to 14.39%
Term:
36 months
APR*:
3.69% to 14.39%
48 months 3.69% to 14.39%
Term:
48 months
APR*:
3.69% to 14.39%
60 months 3.69% to 14.39%
Term:
60 months
APR*:
3.69% to 14.39%
61-72 months (greater than or equal to $20,000) 4.19% to 15.09%
Term:
61-72 months (greater than or equal to $20,000)
APR*:
4.19% to 15.09%
73-84 months (greater than or equal to $30,000) 4.69% to 15.79%
Term:
73-84 months (greater than or equal to $30,000)
APR*:
4.69% to 15.79%

*Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan and are subject to change without notice.

**New autos are considered vehicle models from previous year, current year and following  year, and must have less than 5,000 miles.

 

Used Cars**

Term APR*
Up to 12 months 3.69% to 14.39%
Term:
Up to 12 months
APR*:
3.69% to 14.39%
24 months 3.69% to 14.39%
Term:
24 months
APR*:
3.69% to 14.39%
36 months 3.69% to 14.39%
Term:
36 months
APR*:
3.69% to 14.39%
48 months 3.69% to 14.39%
Term:
48 months
APR*:
3.69% to 14.39%
60 months 3.69% to 14.39%
Term:
60 months
APR*:
3.69% to 14.39%
61-72 months (greater than or equal to $20,000) 4.19% to 15.09%
Term:
61-72 months (greater than or equal to $20,000)
APR*:
4.19% to 15.09%
73-84 months (greater than or equal to $30,000) 4.69% to 15.79%
Term:
73-84 months (greater than or equal to $30,000)
APR*:
4.69% to 15.79%

*Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan and are subject to change without notice.

**Used autos are generally less than 15 years old and have less than 125,000 miles. Exceptions are made for vintage and classic cars.

Compare Rates

Compare Auto Loan Rates

Company APR*
US Bank 6.03%
Company
US Bank
APR*
6.03%
Regions 5.99%
Company
Regions
APR*
5.99%
PNC Bank 5.84%
Company
PNC Bank
APR*
5.84%
Chase Bank 5.79%
Company
Chase Bank
APR*
5.79%
Bank of America 5.34%
Company
Bank of America
APR*
5.34%
Truist 5.04%
Company
Truist
APR*
5.04%
Delta Community 3.69%
Company
Delta Community
APR*
3.69%

Competitor APRs as of the first day of the current month and are provided by mybanktracker.com.

*Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan and are subject to change without notice.

Fees

Loan Fees

Fee Type Amount
Late Payment Fee for Consumer Loans $25.00 per month late
Fee Type:
Late Payment Fee for Consumer Loans
Amount:
$25.00 per month late
NSF for Returned Loan Payment, Personal Line of Credit Check or ACH $25.00
Fee Type:
NSF for Returned Loan Payment, Personal Line of Credit Check or ACH
Amount:
$25.00
Pay by Phone Loan Payment Transfer from a non-Delta Community account $8.00
Fee Type:
Pay by Phone Loan Payment Transfer from a non-Delta Community account
Amount:
$8.00

1. Rates expressed as Annual Percentage Rate (APR) for well-qualified borrowers with excellent credit. Rates are based on creditworthiness and term of loan. APR available April 1 – May 31, 2026, Income verification may be required.

2. Mechanical Breakdown (MBP) or Extended Warranty product offered for purchase by Members Insurance Advisors, LLC a wholly-owned subsidiary of Delta Community Credit Union. Enrollment in this product is voluntary and not required to obtain a loan. Mechanical Breakdown Protection is only offered for New and Used Car Loans.

Routing Number: 261071315

NMLS Number: 401141

Customer Support: 800-544-3328

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