The Appalachian Community Federal Credit Union is a auto loan from Appalachian Community Federal Credit Union. The ongoing APR is New Autos: As low as 5.55%; Used Autos (7 years old or newer): As low as 6.25%; Used Autos (8-15 years old): As low as 6.75%; Classic Autos (25 years and older): As low as 7.75% (Rates effective as of 10/18/2026). Loan terms: New Autos 6 - 84 months; Used Autos (7 years old or newer) 6 - 84 months; Used Autos (8-15 years old) 6 - 72 months; Classic Autos 6 - 84 months.