Credit union · NCUA insured
ACCESS Credit Union Auto Loan Rates
ACCESS Credit Union auto loans start at 5.24% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How ACCESS Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where ACCESS Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ACCESS Credit Union
5.24%APR
- Terms
- 36–84 months
- Up to
- —
- Discount
- None included
New Automobile Loans
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
ACCESS Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ACCESS 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.
New Automobile Loans
Credit union membership required. Up to 100% of purchase price plus tax & tags. Auto loans may include tax, tags, GAP & warranty, if applicable. Rates, terms, conditions, and fees subject to change.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 5.24% | APR as low as 5.24%. Terms from 3 to 7 years (36 to 84 months). Up to 100% of purchase price plus tax & tags. Auto loans may include tax, tags, GAP & warranty, if applicable. |
Sources (3)
All captured Oct 16, 2026
Used Automobile Loans
Credit union membership required. Rate determined by credit worthiness and vehicle year. Up to 100% of purchase price plus tax & tags. Auto loans may include tax, tags, GAP & warranty, if applicable. Rates, terms, conditions, and fees subject to change.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 5.49% | APR as low as 5.49%. Rate determined by credit worthiness and vehicle year. Terms from 3 to 6 years (36 to 72 months). Up to 100% of purchase price plus tax & tags. Auto loans may include tax, tags, GAP & warranty, if applicable. |
Sources (3)
All captured Oct 16, 2026
Who can join ACCESS Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.