The Carter Credit Union is a auto loan from Carter Credit Union. The ongoing APR is Auto Terms Rates As Low As: Up to 36 Months 5.89% APR*; 37 to 48 Months 5.89% APR*; 49 to 60 Months 6.09% APR*; 61 to 72 Months 6.29% APR*; 73 to 84 Months 7.69% APR* (Rates effective as of 9/25/2025). Loan terms: Up to 36 Months through 73 to 84 Months.