Loan typeAnnual percentage rateNotes
Recreational vehicle loan As low as 6.99% Fixed rate, terms up to 180 months available. “As low as” rate applies to vehicles seven model years and newer with a maximum term of 120 months. Your rate may be higher depending on credit score, vehicle year and loan term you select. Existing STCU auto loan refinances & add-on requests will be subject to a 1% refinance fee or $100, whichever is greater. $294.32 a month based on a 10 year, $25000 loan at 7.24% APR.
Auto/truck loan As low as 5.74% Fixed rate, terms up to 96 months available. "As low as" rate applies to vehicles seven model years and newer with a maximum term of 72 months. Your rate may be higher depending on credit score, vehicle year and loan term you select. Existing STCU auto loan refinances & add-on requests will be subject to a 1% refinance fee or $100, whichever is greater. $290.67 a month based on a 5 year, $15000 loan at 5.99% APR.

The rates, fees, and charges shown are effective Thursday, June 19, 2025. Rates for auto/truck and recreational vehicle loans include a .25% discount for having an STCU credit card in good standing. Payments are based on the contract rate before discount.

Other rates and terms may apply depending on the individual credit worthiness of each applicant. STCU terms, conditions and rates are subject to change without notice. For more information, please call us at (509) 326-1954 or toll-free at (800) 858-3750.

A 0.25% loan rate discount will be automatically applied to a loan to which you are primary and are in the same primary membership for each month you meet the Relationship Rewards checking Level 2 requirements. If you no longer meet Level 2 requirements the rate discount will be automatically removed. As the 0.25% loan discount may be removed based on qualifications, your interest rate may fluctuate.