Credit union · NCUA insured
1st Ed Credit Union Auto Loan Rates
Top Carrot1st Ed Credit Union auto loans start at 5.15% APR for a new vehicle and 5.15% for a used one. Rates checked October 16, 2026.
How 1st Ed Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chambersburg, PA, where 1st Ed Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1st Ed Credit Union
5.15%APR
- Terms
- 37–60 months
- Up to
- —
Auto Loans
2nd-lowest rate
Corning Credit Union
5.74%APR
- Terms
- —
- Up to
- 17.99% APR
3rd-lowest rate
F&M Trust
6.74%APR
- Terms
- up to 60 months
- Up to
- —
1st Ed Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew5.15%
- Used vehicleUsed5.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Ed 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
Available to members who live, work, worship, or attend school in Adams, Cumberland, Franklin, Fulton, or York Counties, PA, or employees/students/families of partner groups. Rates and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of existing 1st Ed loans does not qualify. No down payment required, no application fees, and no prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | As low as APR for terms up to 36 months. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of existing 1st Ed loans does not qualify. |
| 37–60 months | 5.15% | As low as APR for terms 37 - 60 months. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of existing 1st Ed loans does not qualify. |
| 61–72 months | 5.45% | As low as APR for terms 61 - 72 months. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of existing 1st Ed loans does not qualify. |
Who can join 1st Ed Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of partner companies served by the credit union within the service area are eligible for membership.
Military, government and schools
- School employees and students in Adams, Cumberland (excluding West Shore, Camp Hill, East Pennsboro, Mechanicsburg, and Cumberland Valley), Franklin, Fulton, and York counties are eligible for membership.
Family and household
- Families of eligible school employees and students in Adams, Cumberland (except West Shore, Camp Hill, East Pennsboro, Mechanicsburg, and Cumberland Valley), Franklin, Fulton, and York counties are eligible for membership.
Membership information collected October 5, 2026.