COLORADO SPRINGS, Colo.-When auto loan rates eventually tick up, and analysts agree a rising rate environment is coming, credit unions will be in a better position to battle for new car loans.

They will be better off for several reasons, experts say, and No. 1 is that lenders will move away from the ultra-low rates that have created some of the fiercest competition in recent memory. It will also separate, in consumers' minds, FI and captive financing, which will benefit credit unions in going head-to-head with banks.

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