Credit union · NCUA insured
360 Federal Credit Union Auto Loan Rates
360 Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How 360 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hartford, CT, where 360 Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
360 Federal Credit Union
4.99%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Riverbank Federal Credit Union
3.74%APR
- Terms
- —
- Discount
- None included
360 Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 360 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 Loan Special- New, Used & Refinance
Promotional offer valid 10/1/2026-10/24/2026; apply by October 24th, close by November 23rd, 2026. For purchase of new or used vehicles or refinance from another financial institution (cannot refinance existing 360FCU loan). Subject to credit approval. Membership eligibility required. No other discounts available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | Vehicles up to 7 years old and less than 124,000 miles. Rates as low as 3.99% APR based on credit grade A and with Auto Pay from a 360FCU account (increases by 0.25% without Auto Pay). Offer valid 10/1/2026-10/24/2026, close by 11/23/2026. |
| up to 72 months | 4.49% | Vehicles up to 7 years old and less than 124,000 miles. Rates as low as 4.49% APR based on credit grade A and with Auto Pay from a 360FCU account (increases by 0.25% without Auto Pay). Offer valid 10/1/2026-10/24/2026, close by 11/23/2026. |
| up to 60 months | 5.74% | Vehicles over 7 years old and/or with more than 124,000 miles. Rates as low as 5.74% APR based on credit grade A and with Auto Pay from a 360FCU account (increases by 0.25% without Auto Pay). Offer valid 10/1/2026-10/24/2026, close by 11/23/2026. |
Sources (1)
- 360fcu.org/autoloan-special · captured Oct 22, 2026
Auto Loans
Membership eligibility required. Loans subject to credit approval. Finance up to 100% of purchase price for vehicles up to 7 years old and max 124K miles, or 85% for vehicles over 124K miles or over 7 years old. Flexible terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.74% | Up to 7 years old, max 124K miles. 100% financing available. Rate based on credit grade A and includes 0.25% Auto-Pay discount from a 360FCU account (increases by 0.25% without Auto-Pay). |
| up to 48 months | 6.99% | Over 124K miles or over 7 years old. 85% financing available. Rate based on credit grade A and includes 0.25% Auto-Pay discount from a 360FCU account (increases by 0.25% without Auto-Pay). |
| 49–60 months | 4.99% | Up to 7 years old, max 124K miles. 100% financing available. Rate based on credit grade A and includes 0.25% Auto-Pay discount from a 360FCU account (increases by 0.25% without Auto-Pay). |
| 49–60 months | 7.49% | Over 124K miles or over 7 years old. 85% financing available. Rate based on credit grade A and includes 0.25% Auto-Pay discount from a 360FCU account (increases by 0.25% without Auto-Pay). |
| 61–72 months | 5.49% | Up to 7 years old, max 124K miles. 100% financing available. Rate based on credit grade A and includes 0.25% Auto-Pay discount from a 360FCU account (increases by 0.25% without Auto-Pay). |
| 73–84 months | 5.74% | Current model year only. Up to 7 years old, max 124K miles. 100% financing available. Rate based on credit grade A and includes 0.25% Auto-Pay discount from a 360FCU account (increases by 0.25% without Auto-Pay). |
Sources (1)
- 360fcu.org/auto-loans · captured Oct 22, 2026
Who can join 360 Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible if you live, work, worship, volunteer, or attend school in Hartford, Tolland, New Haven, and Middlesex Counties, or are a business or other legal entity located there.
Employers and groups
- Eligible if you are an employee of this Credit Union.
Family and household
- Eligible if you live in the same household as a 360FCU-eligible member even if not related, sharing the same residence and maintaining a single economic unit.
- Eligible if you are related to a 360FCU-eligible member by blood, marriage or adoption (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive parent or child).
- Eligible if you are a spouse of a person who died while within the field of membership of the Credit Union.
Other ways
- Eligible if you are an organization of such persons.
1 more way to join
Other ways
- Eligible if you are a member of record.
Cost to join
- You can become a member of 360 Federal Credit Union with $5.
Membership information collected October 4, 2026.