Auto and Vehicle Loan Rates

As your credit union, we pride ourselves on offering competitive auto loan rates. Please remember, all rates are subject to change at any time.

To find out our most current rates, call us at (937) 643-2160.

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Rates effective September 18th, 2019.

Loan Type Fixed APR
(as low as)
Variable APR
(as low as)
Vehicle Loans
Model years: 2016 and newer
*Rates may change based on loan to value.
3.59% 4.50%
Vehicle Loans
Model years 2015 and older
*Rates may change based on loan to value.
4.79% 4.50%
Motorcycles and Jet Skis 
Model years: 2016 and newer
*Rates may change based on loan to value.
4.29% 4.50%
Motorcycles and Jet Skis
Model years: 2015 and older
*Rates may change based on loan to value.
5.19% 4.50%
Boats, Motor Homes, Travel Trailers, Camping Trailers, Truck Trailers 
Model years: 2016 and newer
*Rates may change based on loan to value.
5.39% 4.50%
Boats, Motor Homes, Travel Trailers, Camping Trailers, Truck Trailers 
Model years: 2015 and older
*Rates may change based on loan to value.
6.29% 4.50%

APR = Annual Percentage Rate
APY = Annual Percentage Yield
LTV = Loan-to-Value

All loans are subject to credit approval and other underwriting requirements. To find out what your rate will be, contact a loan officer. For plans with a variable rate feature, the annual percentage rate may vary. Prime is currently 5.50% APR as stated in the Wall Street Journal, subject to adjustment on the first day of each calendar quarter.

Members that meet all qualifications of the Loan Benefit Club will receive 0.25% loan benefit credit to an auto, recreational and closed-end signature loan each month qualifications are met (Misc. loans excluded) Day Air Loan Benefit Qualifications: debit card, minimum accumulation of $500 monthly ACH deposit, enrolled in e-statements- loan benefit paid as a credit to the loan each month that qualifications were met the prior month. Qualifications must be met on the same Day Air membership as the qualified loan; qualified loan must be closed on or after August 1, 2015.

A $20,000 new car loan for a term of 60 months at 3.79% APR, the monthly payment would be $366.51.

Rates subject to change. Please call for most current rates.

*Processing fee applies and will increase the Annual Percentage Rate.

Day Air Fee Schedule