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Auto Loans

Q: What type of loans do you offer?

We offer a variety of consumer loan options to include auto, motorcycle, boat, credit cards, and personal loans. In addition, we offer a variety of home loans to include FHA and VA. We also offer some business loan options. View our Loan Rates

Q: How can I apply for a loan?

You can apply for a loan at any of our branches by setting up an appointment with one of our Financial Relationship Partners. Make an appointment You can also complete our online loan application at https://loans.itsme247.com/314 .

Q: Do you have to be a member to apply for a loan?

No, but you must qualify to become a member. You may apply online at https://loans.itsme247.com/314/Home/Start .

Q: Does the credit union offer used car loans?

Yes, we do. Read more about our auto loans

Q: How do I get pre-approved for a loan?

You can submit an application by visiting one of our branches or applying online .

Q: By what methods can I pay on my loan at Treadwell Credit Union?

You can pay your loan with your Treadwell account through online, mobile , or telephone banking. You can also call us at 937-236-2562. If you are paying from an account outside of Treadwell, you can pay online at https://treadwellcreditunion.lenderpayments.com/#/person/find/ .

Q: How often should I get a copy of my credit report?

Because the federal government requires that each of the three national credit-reporting agencies-Experian, Equifax, and TransUnion-gives you a free credit report every year, consider staggering the receipt of each of your credit reports. That way, you'll get a continuous picture of how your credit picture looks, because the three bureaus feed each other the latest information. You'll also be able to clean up errors as you find them (because errors can drag down a credit score) and you'll also keep an eye on identity theft.

Q: How can I get a copy of my credit report?

Treadwell offers you complimentary access to your TransUnion credit report and credit score through your online banking account. The federal government requires that each of the three national credit-reporting agencies-Experian, Equifax, and TransUnion-gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com. (Link: https://www.annualcreditreport.com ) According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer "free" credit reports but often charge you for another product if you accept the report. To request your credit report by phone, call (877) 322-8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.

Q: What is a home equity loan?

A home equity loan using the equity in your home to provide you with access to cash. This can be done through a fixed-rate second mortgage or a variable rate home equity line of credit. Review our home equity loan options

Q: What type of mortgage loans does the credit union offer?

Treadwell offers a variety of home loan options. First mortgage loans include conventional, FHA, and VA loans. Terms vary from 10 – 30 years. We also offer second mortgages and home equity lines of credit. Review the types of mortgages Treadwell offers

Steering You Right, One Loan at a Time

Apply Today!

Your Partner on the Road Forward

Ready to hit the road? Treadwell auto loans come with low rates, flexible terms, and zero stress. Whether you're shopping for your first ride or upgrading to your dream car, our Financial Relationship Partners are here to make the process smooth, simple, and maybe even a little fun. From paperwork to payment plans, we’ve got your back—so you can focus on picking the perfect playlist for that first drive.

Features & Benefits

Terms up to 84 months
FREE pre-approvals
No pre-payment penalties

Lower your rate by .25% with direct deposit & automatic payments
Easy payment options

We even partner with area dealerships to make the loan process super easy.

View our partner dealerships

Add-on Products

Extended Warranty Plans

GAP Insurance

Payment Protection

Vehicle Loans

Effective Date: Tuesday, September 15th, 2026

Type	Term	as low as APR**
Vehicle 2023 or newer	up to 63 months	5.49%
Vehicle 2023 or newer	64 to 75 Months ($10,000 min)	5.89%
Vehicle 2023 or newer	76 to 84 Months ($20,000 min)	6.59%
Vehicle 2022 & Older	up to 63 months	5.89%
Motorcycle 2023 or newer	up to 63 months	7.49%
Boat & RV Loan	term varies	7.49%
ATV	term varies	7.49%
**APR = Annual Percentage Rate. Rated shown is as low as rate. Rates may vary based on credit score, term, and age of collateral. A $20,000 new car loan for a term of 60 months at 6.09% APR, the monthly payment would be $387.58.

What would my auto payments be?

Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer's rebate, the trade-in value of your old vehicle less any outstanding balance, your down payment, etc. Once the loan amount is determined the interest rate and the term of the loan will be used to estimate your vehicle payment.

FAQs

What type of loans do you offer?

How can I apply for a loan?

Do you have to be a member to apply for a loan?

Does the credit union offer used car loans?

Does the credit union offer student loans?

How do I get pre-approved for a loan?

By what methods can I pay on my loan at Treadwell Credit Union?

How often should I get a copy of my credit report?

How can I get a copy of my credit report?

What is a home equity loan?

What type of mortgage loans does the credit union offer?

What is a signature loan?

Does the credit union offer business loans?

Testimonials

“Maddie helped me with my first ever auto loan! It was a nerve wracking experience but she made it so easy and wonderful. I would recommend her and Daymet to anyone!!!! Thank you so much!!!”

Marcia, July 2025

Income - Single	Income - Head of Household	Income - Married Filing Jointly	Income - Married Filing Separately	Federal Tax Rate
$0 - $11,600	$0 - $16,550	$0 - $23,200	$0 - $11,600	10%
$11,601 - $47,150	$16,551 - $63,100	$23,201 - $94,300	$11,601 - $47,150	12%
$47,151 - $100,525	$63,101 - $100,500	$94,301 - $201,150	$47,151 - $100,525	22%
$100,526 - $191,950	$100,501 - $191,950	$201,151 - $383,900	$100,526 - $191,950	24%
$191,951 - $243,725	$191,951 - $243,700	$383,901 - $487,450	$191,951 - $243,725	32%
$243,726 - $609,350	$243,701 - $609,350	$487,451 - $731,200	$243,726 - $365,600	35%
$609,351+	$609,351+	$731,201	$365,601	37%

Type	Residence	Tuition & Fees	With Room & Board
Public 4yr	Residence: In-state	Tuition & Fees: $11,260	With Room & Board: $24,030
Public 4yr	Residence: Out-of-State	Tuition & Fees: $29,150	With Room & Board: $41,920
Public 2yr	Residence: In-State	Tuition & Fees: $3,990	With Room & Board: $13,960
Private 4yr	Residence: N/A	Tuition & Fees: $41,540	With Room & Board: $56,190

Inflation		2.9%
U.S. Treasury Bills		3.3%
Long-Term Government Bonds		5.1%
U.S. Large-Company Stocks		10.3%
U.S. Small-Company Stocks		11.8%

Year	Inflation Rate
2014		1.6%
2015		0.1%
2016		1.3%
2017		2.1%
2018		2.4%
2019		1.8%
2020		1.2%
2021		4.7%
2022		8.0%
2023		4.1%