Auto Loan Rates in Harrisburg, Pennsylvania (PA) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Harrisburg, Pennsylvania. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Harrisburg, Pennsylvania include Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union1 Credit Union Pl, Harrisburg, PA, 17110A+5.0 ★Texas Ratio: 5.69% offering Auto Loan Refinance at 4.69%, Members 1st Federal Credit Union Enola, PAMembers 1st Federal Credit Union Enola, PA2792 Old Post Rd, Harrisburg, PA, 17110A+5.0 ★Texas Ratio: 5.20% offering Auto Loan 12 Months at 4.94%, Blue Chip Federal Credit UnionBlue Chip Federal Credit Union5050 Derry St, Harrisburg, PA, 17111 5606A+5.0 ★Texas Ratio: 0.49% offering Low Rate Auto Loans at 4.99%, F&M Trust Company of ChambersburgF&M Trust Company of Chambersburg4765 Linglestown Road, Harrisburg, PA, 17112A+5.0 ★Texas Ratio: 0.19% offering 4 year Auto Loan at 6.74%, Orrstown BankOrrstown Bank4750 Lindle Rd, Harrisburg, PA, 17111A5.0 ★Texas Ratio: 8.61% offering New Vehicles at 6.80%. Auto loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Harrisburg has 5 local institutions in our database, with auto loan rates as low as 4.69% APR from Pennsylvania State Employees Credit Union at 1 Credit Union Pl, Harrisburg, PA, 17110. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Harrisburg, Pennsylvania. Auto Loan Rates Last Updated and Verified: April 11, 2026
Compare Auto Loan Rates Today in Harrisburg, Pennsylvania & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
Auto Loan Refinance
4.69%
1 - 63
▼
APR4.69%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
Auto Loan Refinance
4.89%
64 - 75
▼
APR4.89%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
Auto Loan Refinance
4.94%
1 - 63
▼
APR4.94%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
2792 Old Post Rd, Harrisburg, PA, 17110
Auto Loan 12 Months
4.94%
12 Months
▼
APR4.94%
Term12 Months
Last UpdatedApr 11, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
2792 Old Post Rd, Harrisburg, PA, 17110
Auto Loan 24 Months
4.94%
24 Months
▼
APR4.94%
Term24 Months
Last UpdatedApr 11, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
2792 Old Post Rd, Harrisburg, PA, 17110
Auto Loan 36 Months
4.94%
36 Months
▼
APR4.94%
Term36 Months
Last UpdatedApr 11, 2026
Details
As Low As
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
2792 Old Post Rd, Harrisburg, PA, 17110
Auto Loan 48 Months
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedApr 11, 2026
Details
As Low As
Blue Chip Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
5050 Derry St, Harrisburg, PA, 17111 5606
Low Rate Auto Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 6, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
Auto Loan Refinance
5.14%
64 - 75
▼
APR5.14%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.19%
1 - 63
▼
APR5.19%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
Auto Loan Refinance
5.29%
76 - 84
▼
APR5.29%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.39%
64 - 75
▼
APR5.39%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
Auto Loan Refinance
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
Auto Loan Refinance
5.54%
76 - 84
▼
APR5.54%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
Auto Loan Refinance
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.79%
76 - 84
▼
APR5.79%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.94%
1 - 63
▼
APR5.94%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
Auto Loan Refinance
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
6.14%
64 - 75
▼
APR6.14%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
Auto Loan Refinance
6.29%
85 - 96
▼
APR6.29%
Term85 - 96
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
Auto Loan Refinance
6.54%
85 - 96
▼
APR6.54%
Term85 - 96
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
6.54%
76 - 84
▼
APR6.54%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As
F&M Trust Company of Chambersburg
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
4765 Linglestown Road, Harrisburg, PA, 17112
4 year Auto Loan
6.74%
4 year
▼
APR6.74%
Term4 year
Last UpdatedMar 26, 2026
Details
As Low As
F&M Trust Company of Chambersburg
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
4765 Linglestown Road, Harrisburg, PA, 17112
5 year Auto Loan
6.74%
5 year
▼
APR6.74%
Term5 year
Last UpdatedMar 26, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
6.79%
85 - 96
▼
APR6.79%
Term85 - 96
Last UpdatedApr 8, 2026
Details
As Low As
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
New Vehicles
6.80%
0-60
▼
APR6.80%
Term0-60
Last UpdatedMar 28, 2026
Details
F&M Trust Company of Chambersburg
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
4765 Linglestown Road, Harrisburg, PA, 17112
6 year Auto Loan
6.99%
6 year
▼
APR6.99%
Term6 year
Last UpdatedMar 26, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
Auto Loan Refinance
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 8, 2026
Details
As Low As
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
New Vehicles
7.30%
61-72
▼
APR7.30%
Term61-72
Last UpdatedMar 28, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
7.54%
85 - 96
▼
APR7.54%
Term85 - 96
Last UpdatedApr 8, 2026
Details
As Low As
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
Used Vehicles
7.70%
0-60 Months
▼
APR7.70%
Term0-60 Months
Last UpdatedMar 28, 2026
Details
Age of Vehicle: 1-4 Years
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
Used Vehicles
7.80%
61-72 Months
▼
APR7.80%
Term61-72 Months
Last UpdatedMar 28, 2026
Details
Age of Vehicle: 1-4 Years
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
Used Vehicles
7.95%
0-48 Months
▼
APR7.95%
Term0-48 Months
Last UpdatedMar 28, 2026
Details
Age of Vehicle: 5-10 Years
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
New Vehicles
8.05%
73-84
▼
APR8.05%
Term73-84
Last UpdatedMar 28, 2026
Details
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
Used Vehicles
8.10%
49-60 Months
▼
APR8.10%
Term49-60 Months
Last UpdatedMar 28, 2026
Details
Age of Vehicle: 5-10 Years
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Vehicles
2.75%
12 Months
▼
APR2.75%
Term12 Months
Last UpdatedApr 11, 2026
Details
As Low As
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto Loan
2.99%
4 years
▼
APR2.99%
Term4 years
Last UpdatedApr 5, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.24%
Up to 40
▼
APR3.24%
TermUp to 40
Last UpdatedApr 11, 2026
Details
APR3.49%
Term36 Months
Last UpdatedMar 29, 2026
Details
Zero Down Payment
APR3.49%
Term36 Months
Last UpdatedMar 29, 2026
Details
2016-2019
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedApr 11, 2026
Details
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Vehicle Loans 36 months
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 4, 2026
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto Loan
3.50%
5 years
▼
APR3.50%
Term5 years
Last UpdatedApr 5, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
APR3.70%
Term60 Months
Last UpdatedMar 24, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.74%
41-52
▼
APR3.74%
Term41-52
Last UpdatedApr 11, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Vehicles
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedApr 5, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 11, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 11, 2026
Details
As Low As
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - Up To 2 Years Old - 100% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 11, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedApr 9, 2026
Details
As Low As; APR is Annual Percentage Rate.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
HERITAGE VALLEY
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2024 Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 2, 2026
Details
As Low As
HERITAGE VALLEY
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2025 - 2026 Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 2, 2026
Details
As Low As
APCI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedApr 4, 2026
Details
APCI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
3.99%
3 years (2018-2026)
▼
APR3.99%
Term3 years (2018-2026)
Last UpdatedApr 4, 2026
Details
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles
3.99%
5 Months
▼
APR3.99%
Term5 Months
Last UpdatedApr 5, 2026
Details
As Low As; * For Qualified Buyer
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Auto Loans
3.99%
4 years
▼
APR3.99%
Term4 years
Last UpdatedApr 5, 2026
Details
As Low As
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 11, 2026
Details
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2018- 2027 Model Year
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
New Car
3.99%
96 months
▼
APR3.99%
Term96 months
Last UpdatedApr 11, 2026
Details
As Low As; (based on credit score)
APR4.00%
Term60 Months
Last UpdatedMar 29, 2026
Details
Zero Down Payment
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Auto
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Vehicle Loans 48 months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 4, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 5, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 6, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedApr 11, 2026
Details
As Low As; 3 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
APR4.24%
Term48 Months
Last UpdatedMar 27, 2026
Details
As Low As; 2025 & newer
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details
As Low As
APR4.24%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As; auto loan rates as low as 4.24% APR for 24 months.
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 11, 2026
Details
As Low As; Current Year + 2 Years
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2021 - 2027 Model Year
4.24%
Up to 84 Months
▼
APR4.24%
TermUp to 84 Months
Last UpdatedApr 11, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.24%
53-64
▼
APR4.24%
Term53-64
Last UpdatedApr 11, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedApr 11, 2026
Details
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Auto
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedApr 5, 2026
Details
80-90% NADA retail
MERHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Car 2026 (or) 2025 (Never Titled)
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As; Add .5% for 72 months for qualifying vehicles Add 1.00% for 84 months for qualifying vehicles
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 5, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedApr 6, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.25%
Up to 3 years
▼
APR4.25%
TermUp to 3 years
Last UpdatedApr 11, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Term3 years
Last UpdatedApr 11, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedApr 11, 2026
Details
As Low As; 4 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 11, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedApr 11, 2026
Details
C-B-W Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Vehicles (36 months or less)
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedApr 4, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
As Low As
APR4.44%
Term48 Months
Last UpdatedMar 27, 2026
Details
As Low As; 2024 & Older
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedMar 24, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
Auto Loan
4.49%
0-48
▼
APR4.49%
Term0-48
Last UpdatedApr 5, 2026
Details
As Low As; Best APR: 2.99%
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 6, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As; Current Year + 2 Years
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Fixed Rate Auto Loan 2016 - 2017 Model Year
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.49%
65-76
▼
APR4.49%
Term65-76
Last UpdatedApr 11, 2026
Details
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos
4.49%
Up to 52
▼
APR4.49%
TermUp to 52
Last UpdatedApr 11, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 11, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Used Car
4.49%
96 Months
▼
APR4.49%
Term96 Months
Last UpdatedApr 11, 2026
Details
As Low As; (based on credit score)
APR4.50%
Term72 Months
Last UpdatedMar 29, 2026
Details
Zero Down Payment
APR4.50%
Term60 Months
Last UpdatedMar 29, 2026
Details
2022 - NEWER
APR4.50%
Term72 months
Last UpdatedApr 2, 2026
Details
Elliott Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Vehicle
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedApr 4, 2026
Details
As Low As
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 4, 2026
Details
Over $20,000; As Low As
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Vehicle Loans 60 months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
SRU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
Auto Loan (Car, SUV, or Pickup Truck)
4.50%
0-60 Months
▼
APR4.50%
Term0-60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
100% MSRP
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedApr 5, 2026
Details
80-90% NADA retail
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Auto Loans
4.50%
5 years
▼
APR4.50%
Term5 years
Last UpdatedApr 5, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.50%
48 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedApr 6, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedApr 6, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 6, 2026
Details
750+
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025 - 2026
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As; Up to 48 Months with an APR*
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025- 2026
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedApr 11, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 11, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.50%
Up to 4 years
▼
APR4.50%
TermUp to 4 years
Last UpdatedApr 11, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedApr 11, 2026
Details
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Vehicle (2025- 2026)
4.51%
48 Months
▼
APR4.51%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Used Vehicle (2018 - 2025)
4.51%
48 Months
▼
APR4.51%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Car and Used Car Model Year 2021 and Newer
4.54%
0 to 36
▼
APR4.54%
Term0 to 36
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 11, 2026
Details
As Low As
APR4.64%
Term49-60
Last UpdatedMar 27, 2026
Details
As Low As; 2024 & Older
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
C-B-W Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Vehicles ( 37 to 60 months)
4.65%
60 Months
▼
APR4.65%
Term60 Months
Last UpdatedApr 4, 2026
Details
C-B-W Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Vehicles up to 5 years old (36 months or less)
4.65%
36 Months
▼
APR4.65%
Term36 Months
Last UpdatedApr 4, 2026
Details
Washington Area Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Autos - Model Years 2025 & Newer
4.65%
12 to 36 months
▼
APR4.65%
Term12 to 36 months
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
As Low As
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 8, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 8, 2026
Details
Some Restrictions Apply; Vehicles 2017 or newer
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles 2026, 2025, 2024
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months A+
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 11, 2026
Details
As Low As
APR4.74%
Term61-75
Last UpdatedMar 27, 2026
Details
As Low As; 2025 & newer
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
New and Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
New and Used Vehicles
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As; Competitive interest rates as low as 4.74% APR2 for 36 months
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 11, 2026
Details
As Low As; Current Year + 2 Years
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Automobile (2026 and 2025 Model Years)
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedApr 11, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.74%
53 - 64 months
▼
APR4.74%
Term53 - 64 months
Last UpdatedApr 11, 2026
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedApr 11, 2026
Details
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2021 - 2026 (<50,0000 miles) Vehicle Loan
4.74%
73 - 84
▼
APR4.74%
Term73 - 84
Last UpdatedApr 11, 2026
Details
APR4.75%
Term72 Months
Last UpdatedMar 29, 2026
Details
2022 - NEWER**
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Auto
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
Over $40,000; As Low As
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Used Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
Over $20,000; As Low As
Community Connect Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicles
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As; Terms to 84 Months
SRU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
Auto Loan (Car, SUV, or Pickup Truck)
4.75%
61-72 Months
▼
APR4.75%
Term61-72 Months
Last UpdatedApr 4, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 5, 2026
Details
As Low As
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
Up to 60 months
▼
APR4.75%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
61-72 months
▼
APR4.75%
Term61-72 months
Last UpdatedApr 5, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 6, 2026
Details
750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
Used Auto Loans (2019 and Older)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 6, 2026
Details
FICO Score 750+
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 6, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 11, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months A
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedApr 11, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.75%
Up to 5 and 6 years
▼
APR4.75%
TermUp to 5 and 6 years
Last UpdatedApr 11, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.75%
5 & 6 years
▼
APR4.75%
Term5 & 6 years
Last UpdatedApr 11, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 11, 2026
Details
As Low As; 5 YEAR REPAY
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 11, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
Hidden River Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
Auto Loan Refinance
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As; Advertised fixed interest rate only applies to refinancing Auto Loans from another institution. The advertised rate may only be applied to terms up to 72 months. HRCU will finance up to 120% of the value for a refinanced vehicle based on J.D. Power Retail Value. Minimum loan amount is $5,000.; $250 Benjamins Bonus.
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Car and Used Car Model Year 2021 and Newer
4.79%
37 to 66
▼
APR4.79%
Term37 to 66
Last UpdatedApr 11, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months A+
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months A
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedApr 11, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Used Auto Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedMar 29, 2026
Details
As Low As
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMar 29, 2026
Details
North Penn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Auto Loans
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 8, 2026
Details
Some Restrictions Apply; Vehicles 2017 or newer
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.19%
1 - 63
▼
APR5.19%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.39%
64 - 75
▼
APR5.39%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.79%
76 - 84
▼
APR5.79%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.94%
1 - 63
▼
APR5.94%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
6.14%
64 - 75
▼
APR6.14%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
6.54%
76 - 84
▼
APR6.54%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
6.79%
85 - 96
▼
APR6.79%
Term85 - 96
Last UpdatedApr 8, 2026
Details
As Low As
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
New Vehicles
6.80%
0-60
▼
APR6.80%
Term0-60
Last UpdatedMar 28, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 8, 2026
Details
As Low As
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
New Vehicles
7.30%
61-72
▼
APR7.30%
Term61-72
Last UpdatedMar 28, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
7.54%
85 - 96
▼
APR7.54%
Term85 - 96
Last UpdatedApr 8, 2026
Details
As Low As
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
New Vehicles
8.05%
73-84
▼
APR8.05%
Term73-84
Last UpdatedMar 28, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Vehicles
2.75%
12 Months
▼
APR2.75%
Term12 Months
Last UpdatedApr 11, 2026
Details
As Low As
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto Loan
2.99%
4 years
▼
APR2.99%
Term4 years
Last UpdatedApr 5, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.24%
Up to 40
▼
APR3.24%
TermUp to 40
Last UpdatedApr 11, 2026
Details
APR3.49%
Term36 Months
Last UpdatedMar 29, 2026
Details
Zero Down Payment
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Vehicle Loans 36 months
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 4, 2026
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto Loan
3.50%
5 years
▼
APR3.50%
Term5 years
Last UpdatedApr 5, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
3.74%
41-52
▼
APR3.74%
Term41-52
Last UpdatedApr 11, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Vehicles
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedApr 5, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedApr 9, 2026
Details
As Low As; APR is Annual Percentage Rate.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
APCI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
3.99%
3 years
▼
APR3.99%
Term3 years
Last UpdatedApr 4, 2026
Details
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicles
3.99%
5 Months
▼
APR3.99%
Term5 Months
Last UpdatedApr 5, 2026
Details
As Low As; * For Qualified Buyer
Stanwood Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 11, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
New Car
3.99%
96 months
▼
APR3.99%
Term96 months
Last UpdatedApr 11, 2026
Details
As Low As; (based on credit score)
APR4.00%
Term60 Months
Last UpdatedMar 29, 2026
Details
Zero Down Payment
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Auto
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Vehicle Loans 48 months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 4, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 5, 2026
Details
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 6, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedApr 11, 2026
Details
As Low As; 3 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 11, 2026
Details
As Low As; Current Year + 2 Years
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.24%
53-64
▼
APR4.24%
Term53-64
Last UpdatedApr 11, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedApr 11, 2026
Details
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Auto
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedApr 5, 2026
Details
80-90% NADA retail
MERHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Car 2026 (or) 2025 (Never Titled)
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As; Add .5% for 72 months for qualifying vehicles Add 1.00% for 84 months for qualifying vehicles
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 5, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedApr 6, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.25%
Up to 3 years
▼
APR4.25%
TermUp to 3 years
Last UpdatedApr 11, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedApr 11, 2026
Details
As Low As; 4 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 11, 2026
Details
As Low As
C-B-W Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Vehicles (36 months or less)
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedApr 4, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
New Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 6, 2026
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As; Current Year + 2 Years
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Autos | Never Titled
4.49%
65-76
▼
APR4.49%
Term65-76
Last UpdatedApr 11, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 11, 2026
Details
APR4.50%
Term72 Months
Last UpdatedMar 29, 2026
Details
Zero Down Payment
APR4.50%
Term72 months
Last UpdatedApr 2, 2026
Details
Elliott Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Vehicle
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedApr 4, 2026
Details
As Low As
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 4, 2026
Details
Over $20,000; As Low As
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Vehicle Loans 60 months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
100% MSRP
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedApr 5, 2026
Details
80-90% NADA retail
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
New Autos
4.50%
48 to 60 months 100% MSRP
▼
APR4.50%
Term48 to 60 months 100% MSRP
Last UpdatedApr 6, 2026
Details
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedApr 6, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 6, 2026
Details
750+
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025 - 2026
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As; Up to 48 Months with an APR*
Alcose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles 2025- 2026
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
Locomotive And Control Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicle Loan
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedApr 11, 2026
Details
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle (2026, 2025)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 11, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.50%
Up to 4 years
▼
APR4.50%
TermUp to 4 years
Last UpdatedApr 11, 2026
Details
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Vehicle (2025- 2026)
4.51%
48 Months
▼
APR4.51%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Car and Used Car Model Year 2021 and Newer
4.54%
0 to 36
▼
APR4.54%
Term0 to 36
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 11, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
C-B-W Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Vehicles ( 37 to 60 months)
4.65%
60 Months
▼
APR4.65%
Term60 Months
Last UpdatedApr 4, 2026
Details
Washington Area Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Autos - Model Years 2025 & Newer
4.65%
12 to 36 months
▼
APR4.65%
Term12 to 36 months
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
As Low As
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
New Vehicle Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 8, 2026
Details
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles 2026, 2025, 2024
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 6, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months A+
4.70%
24 Months
▼
APR4.70%
Term24 Months
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 11, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
New and Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
New and Used Vehicles
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As; Competitive interest rates as low as 4.74% APR2 for 36 months
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 11, 2026
Details
As Low As; Current Year + 2 Years
United Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Automobile (2026 and 2025 Model Years)
4.74%
60 Mos
▼
APR4.74%
Term60 Mos
Last UpdatedApr 11, 2026
Details
As Low As
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New Auto Loans Model Years 2024-2026
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedApr 11, 2026
Details
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Auto
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
Over $40,000; As Low As
Community Connect Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicles
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As; Terms to 84 Months
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 5, 2026
Details
As Low As
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 6, 2026
Details
750+
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 11, 2026
Details
As Low As
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 24 Months A
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedApr 11, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Car Loans
4.75%
Up to 5 and 6 years
▼
APR4.75%
TermUp to 5 and 6 years
Last UpdatedApr 11, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 11, 2026
Details
As Low As; 5 YEAR REPAY
Visionary Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
New Vehicle - 2025 and Newer
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 11, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loan
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New 2026 Auto Loans
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Car and Used Car Model Year 2021 and Newer
4.79%
37 to 66
▼
APR4.79%
Term37 to 66
Last UpdatedApr 11, 2026
Details
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months A+
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
Reliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.80%
New Auto Loans 36 Months A
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedApr 11, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMar 29, 2026
Details
North Penn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Auto Loans
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.19%
1 - 63
▼
APR5.19%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.39%
64 - 75
▼
APR5.39%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.44%
1 - 63
▼
APR5.44%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.64%
64 - 75
▼
APR5.64%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.79%
76 - 84
▼
APR5.79%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
5.94%
1 - 63
▼
APR5.94%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
6.04%
76 - 84
▼
APR6.04%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
6.14%
64 - 75
▼
APR6.14%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
6.54%
76 - 84
▼
APR6.54%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
6.79%
85 - 96
▼
APR6.79%
Term85 - 96
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
7.04%
85 - 96
▼
APR7.04%
Term85 - 96
Last UpdatedApr 8, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1 Credit Union Pl, Harrisburg, PA, 17110
New & Used Auto Loans
7.54%
85 - 96
▼
APR7.54%
Term85 - 96
Last UpdatedApr 8, 2026
Details
As Low As
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
Used Vehicles
7.70%
0-60 Months
▼
APR7.70%
Term0-60 Months
Last UpdatedMar 28, 2026
Details
Age of Vehicle: 1-4 Years
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
Used Vehicles
7.80%
61-72 Months
▼
APR7.80%
Term61-72 Months
Last UpdatedMar 28, 2026
Details
Age of Vehicle: 1-4 Years
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
Used Vehicles
7.95%
0-48 Months
▼
APR7.95%
Term0-48 Months
Last UpdatedMar 28, 2026
Details
Age of Vehicle: 5-10 Years
Orrstown Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.61%
4750 Lindle Rd, Harrisburg, PA, 17111
Used Vehicles
8.10%
49-60 Months
▼
APR8.10%
Term49-60 Months
Last UpdatedMar 28, 2026
Details
Age of Vehicle: 5-10 Years
APR3.49%
Term36 Months
Last UpdatedMar 29, 2026
Details
2016-2019
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
3.49%
Up to 40 Months
▼
APR3.49%
TermUp to 40 Months
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 11, 2026
Details
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 11, 2026
Details
As Low As
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Vehicles - Up To 2 Years Old - 100% Financed
3.75%
12 Months
▼
APR3.75%
Term12 Months
Last UpdatedApr 11, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedApr 9, 2026
Details
As Low As; APR is Annual Percentage Rate.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
APCI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
3.99%
3 years (2018-2026)
▼
APR3.99%
Term3 years (2018-2026)
Last UpdatedApr 4, 2026
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Auto Loans
3.99%
4 years
▼
APR3.99%
Term4 years
Last UpdatedApr 5, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedApr 11, 2026
Details
As Low As; 3 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedApr 11, 2026
Details
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.25%
Up to 36 months
▼
APR4.25%
TermUp to 36 months
Last UpdatedApr 5, 2026
Details
80-90% NADA retail
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 5, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.25%
Up to 36 months 80-90% NADA retail
▼
APR4.25%
TermUp to 36 months 80-90% NADA retail
Last UpdatedApr 6, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.25%
3 years
▼
APR4.25%
Term3 years
Last UpdatedApr 11, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedApr 11, 2026
Details
As Low As; 4 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 11, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.37%
41 - 52 months
▼
APR4.37%
Term41 - 52 months
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos
4.49%
Up to 52
▼
APR4.49%
TermUp to 52
Last UpdatedApr 11, 2026
Details
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 11, 2026
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Used Car
4.49%
96 Months
▼
APR4.49%
Term96 Months
Last UpdatedApr 11, 2026
Details
As Low As; (based on credit score)
APR4.50%
Term60 Months
Last UpdatedMar 29, 2026
Details
2022 - NEWER
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2022 and newer
4.50%
48 - 60 months
▼
APR4.50%
Term48 - 60 months
Last UpdatedApr 5, 2026
Details
80-90% NADA retail
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Auto Loans
4.50%
5 years
▼
APR4.50%
Term5 years
Last UpdatedApr 5, 2026
Details
As Low As
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★
Used Autos 2021 and newer
4.50%
48 to 60 months 80-90% NADA retail
▼
APR4.50%
Term48 to 60 months 80-90% NADA retail
Last UpdatedApr 6, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 6, 2026
Details
750+
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedApr 11, 2026
Details
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Used Vehicle (2018 - 2025)
4.51%
48 Months
▼
APR4.51%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Car and Used Car Model Year 2021 and Newer
4.54%
0 to 36
▼
APR4.54%
Term0 to 36
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 11, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
C-B-W Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Vehicles up to 5 years old (36 months or less)
4.65%
36 Months
▼
APR4.65%
Term36 Months
Last UpdatedApr 4, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 11, 2026
Details
As Low As
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 8, 2026
Details
Some Restrictions Apply; Vehicles 2017 or newer
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles 2026, 2025, 2024
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 6, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 11, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
New and Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
New and Used Vehicles
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As; Competitive interest rates as low as 4.74% APR2 for 36 months
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Autos 2026 - 2024
4.74%
53 - 64 months
▼
APR4.74%
Term53 - 64 months
Last UpdatedApr 11, 2026
Details
APR4.75%
Term72 Months
Last UpdatedMar 29, 2026
Details
2022 - NEWER**
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Used Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
Over $20,000; As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New / Used Vehicles
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 5, 2026
Details
As Low As
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
Up to 60 months
▼
APR4.75%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.75%
61-72 months
▼
APR4.75%
Term61-72 months
Last UpdatedApr 5, 2026
Details
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New & Used Auto Loans (2020 and Newer)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 6, 2026
Details
750+
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
Used Auto Loans (2019 and Older)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 6, 2026
Details
FICO Score 750+
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Used Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 6, 2026
Details
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Car Loans 2024 - 2026 models
4.75%
5 & 6 years
▼
APR4.75%
Term5 & 6 years
Last UpdatedApr 11, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 11, 2026
Details
As Low As; 5 YEAR REPAY
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 11, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loan
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
Tendto Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used 2024 - 2025 Auto Loans
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Car and Used Car Model Year 2021 and Newer
4.79%
37 to 66
▼
APR4.79%
Term37 to 66
Last UpdatedApr 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 11, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
Erie Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Car 2027-2024 Model Year
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedApr 11, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Used Auto Loan
4.89%
Up to 48 Months
▼
APR4.89%
TermUp to 48 Months
Last UpdatedMar 29, 2026
Details
As Low As
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
New and Used Vehicles Model years 2026-2025-2024-2023
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMar 29, 2026
Details
Spojnia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.48%
Used Vehicle Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 8, 2026
Details
Some Restrictions Apply; Vehicles 2017 or newer
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MonitorBankRates
Harrisburg, PA Auto Loan Rate Trends
Compare local Harrisburg, PA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — PA Avg
5.910%
▲ 0.021 vs 7 days ago
Pennsylvania new auto rates rose 0.021 points over the past 7 days to 5.910% APR.
Used Auto Loan — PA Avg
7.486%
▲ 0.063 vs 7 days ago
Pennsylvania used auto rates rose 0.063 points over the past 7 days to 7.486% APR.
As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Harrisburg, Pennsylvania
How does my credit score affect my car loan rate in Pennsylvania?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Harrisburg, Pennsylvania with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Pennsylvania *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Harrisburg, Pennsylvania typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Harrisburg, Pennsylvania?
Based on our current data, some of the lowest auto loan rates available in Harrisburg, Pennsylvania include:
- Pennsylvania State Employees Credit Union: 4.69% (Auto Loan Refinance)
- Members 1st Federal Credit Union Enola, PA: 4.94% (Auto Loan 12 Months)
- Blue Chip Federal Credit Union: 4.99% (Low Rate Auto Loans)
- F&M Trust Company of Chambersburg: 6.74% (4 year Auto Loan)
- Orrstown Bank: 6.80% (New Vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Harrisburg, Pennsylvania. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 11, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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