Vehicle Loans

Table data for Auto Loan Rates
Effective 11-01-2025
Term	Annual Percentage Rate (APR)¹	Alert Me
60 month	6.74%	Receive a notification when this rate changes

72 month	6.99%	Receive a notification when this rate changes

84 months²	7.49%	Receive a notification when this rate changes

¹Annual Percentage Rate (APR). .25% discount for top tier credit scores. Certain restrictions apply and rates may change. The "as low as" APR includes the 0.25% discount for those members that meet the Rewards Checking monthly qualification cycle parameters and have auto-pay set up from their Rewards Checking account. Members must keep the automatic payment active and have a qualifying Rewards Plus Checking to keep the discount. If the automatic payment is discontinued, or if the Rewards Plus Checking is considered “non-qualifying” for more than 60 days, the loan discount will be removed, and the payment may increase to reflect the change in interest rate. Lookout Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate. For more information on Vehicle Loans please call (208) 235-7100.↵ ²No Untitled Vehicles. New vehicle rates apply only to vehicles titled for the first time and rates are available to members on approved credit. Rates quoted are for top tier FICO scores.↵

Rates

*Annual Percentage Yield (APY). Account balances over $20,000 will be paid 0.15% APY on the balance over $20,000. A “qualification cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Accounts which do not meet the three monthly qualifications will earn 0.01% APY on the entire account balance. REWARDS Plus checking is available only on personal accounts. The dividend rate and annual percentage yield may change at anytime, as determined by the board of directors.

**The .25% (APR = Annual Percentage Rate) applies to new and used auto loans opened after 6/03/19 when requested. Discount applies to those members that meet the Rewards Checking monthly qualification cycle parameters and have auto-pay set up from their Rewards Checking account. Members must keep the automatic payment active and have a qualifying Rewards Plus Checking to keep the discount. If the automatic payment is discontinued, or if the Rewards Plus Checking is considered “non-qualifying” for more than 60 days, the loan discount will be removed, and the payment may increase to reflect the change in interest rate.