The UL Federal Credit Union is a auto loan from UL Federal Credit Union. The ongoing APR is New Vehicle as low as 4.99% (up to 36 months), 5.49% (48), 5.59% (60), 5.99% (72), 6.99% (84); Used Vehicle as low as 5.99% (36), 6.49% (48), 6.59% (60), 6.99% (72), 7.99% (84); rates effective as of October 1, 2026. Loan terms: Flexible terms up to 7 years (84 months); terms of 85-96 months require a minimum loan amount of $30,000.