Credit union · NCUA insured
1166 Federal Credit Union Auto Loan Rates
Top Carrot1166 Federal Credit Union auto loans start at 6.24% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How 1166 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where 1166 Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1166 Federal Credit Union
6.24%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
Auto Loans: New and Used
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
1166 Federal Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew6.24%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1166 Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans: New and Used
Available for new cars, used cars, trucks, SUVs, and vans. Used car loans are not eligible for 84 month loan periods. Rates subject to tiered pricing based on credit criteria. No upfront application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | New and Used |
| up to 60 months | 4.49% | New and Used |
| up to 72 months | 4.74% | New and Used |
| up to 84 months | 6.24% | Available on New Loans only / New purchased, refinanced or lease buyout |
Auto Refinance & Lease Buyout Rates
Available for auto refinance and lease buyout. 84 months is for new refinanced or lease buyout. Rates subject to tiered pricing based on credit criteria. No upfront application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | — |
| up to 60 months | 4.99% | — |
| up to 72 months | 5.24% | — |
| up to 84 months | 6.74% | 84 months is for NEW refinanced or lease buyout |
Classic Cars (1995 & older)
For vehicles 1995 and older. Rates subject to tiered pricing based on credit criteria. No upfront application fee.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.74% | 1995 & older |
Who can join 1166 Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Select Employer Group (SEG) partners are eligible for membership.
Family and household
- Immediate family members of eligible members are eligible for membership.
Other ways
- Businesses can join as business members.
Cost to join
- A one-time payment of $5 is required to become a member.
Membership information collected October 5, 2026.