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Most do, but not all. As a general rule they'll beat any outside financing. The exception to this I've found to be Capital One auto loans via Costco. Credit unions will almost always give their members a loan whereas outside financiers may balk. Manufacturer APR's can be favorable too, especially at 0%, but if there is a hefty rebate involved, it may be cheaper to take the rebate and finance via a CU or elsewhere. Find an auto loan calculator to see the difference.

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Good advice from canddmeyer but keep in mind that the interest rate will depend on your credit score. Different financial institutions have different standards for which score gets which interest rate. Shop around for your best deal.

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C.U's will traditionaly have better rates but not always term. Allot of times the dealer will have a source that will lend more money on longer terms then the C.U. Thats one of the reasons why their rates are better because they control the amount financed.

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