Credit union · NCUA insured
Advancial Federal Credit Union Auto Loan Rates
Advancial Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Advancial Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Advancial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Advancial Federal Credit Union
5.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Discount
- None included
Advancial Federal Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.49%
- 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 Advancial 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
Same rates apply for new, used, or refinanced vehicles. Finance up to 110% of vehicle's MSRP. Requires Advancial membership ($5 minimum membership share deposit). Advertised 'as low as' APR assumes excellent borrower credit history; actual APR depends on credit history and transaction. Rate discount available with automatic payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.05% | Advertised 'as low as' rate assumes excellent credit. Rates subject to approval. Includes automatic payment discount. Same rates for new, used, or refinance. |
| up to 48 months | 5.28% | Advertised 'as low as' rate assumes excellent credit. Rates subject to approval. Includes automatic payment discount. Same rates for new, used, or refinance. |
| up to 60 months | 5.49% | Advertised 'as low as' rate assumes excellent credit. Rates subject to approval. Includes automatic payment discount. Same rates for new, used, or refinance. |
| up to 72 months | 6.25% | Advertised 'as low as' rate assumes excellent credit. Rates subject to approval. Includes automatic payment discount. Same rates for new, used, or refinance. |
| up to 84 months | 6.85% | Advertised 'as low as' rate assumes excellent credit. Rates subject to approval. Includes automatic payment discount. Same rates for new, used, or refinance. |
Sources (5)
- advancial.org
- advancial.org/ec-auto-loans
- advancial.org/loans/auto-loans
- advancial.org/loans/auto-loans/auto-loans
- advancial.org/mc-auto-loans
All captured Oct 6, 2026
Who can join Advancial 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
- Individuals who live, work, worship, or attend school in served member communities in Louisiana, North Carolina, or South Carolina are eligible for membership.
Employers and groups
- Employees or members of Advancial Select Employer Groups or Associations are eligible for membership.
Family and household
- Immediate family members and household members of individuals eligible through a Select Employer Group or Association are eligible to join.
Cost to join
- Membership requires maintaining a minimum savings balance of $5.
Membership information collected October 5, 2026.