Credit union · NCUA insured
Advantage Financial Federal Credit Union Auto Loan Rates
Advantage Financial Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How Advantage Financial Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Advantage Financial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Advantage Financial Federal Credit Union
4.39%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Advantage Financial Federal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- 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 Advantage Financial 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 rate on NEW or USED vehicles. Rates are based on applicant's credit worthiness. Your actual rate may vary. Borrow up to 115% of book value for new and used vehicles. Plus, no payment for 90 days option available (interest continues to accrue). Discount available for automatic payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Same rate on NEW or USED vehicles. As low as rate based on creditworthiness. |
| up to 36 months | 3.89% | With Auto Pay Discount. Same rate on NEW or USED vehicles. As low as rate based on creditworthiness. |
| 37–48 months | 4.24% | Same rate on NEW or USED vehicles. As low as rate based on creditworthiness. |
| 37–48 months | 4.14% | With Auto Pay Discount. Same rate on NEW or USED vehicles. As low as rate based on creditworthiness. |
| 49–60 months | 4.49% | Same rate on NEW or USED vehicles. As low as rate based on creditworthiness. |
| 49–60 months | 4.39% | With Auto Pay Discount. Same rate on NEW or USED vehicles. As low as rate based on creditworthiness. |
| 61–72 months | 4.74% | Only available for loan amounts in excess of $20,000. Eligible vehicles are model year 2020 or newer with less than 80K miles. Same rate on NEW or USED vehicles. As low as rate based on creditworthiness. |
| 61–72 months | 4.64% | With Auto Pay Discount. Only available for loan amounts in excess of $20,000. Eligible vehicles are model year 2020 or newer with less than 80K miles. Same rate on NEW or USED vehicles. As low as rate based on creditworthiness. |
| 73–84 months | 4.99% | Only available for loan amounts in excess of $30,000. Eligible vehicles are model year 2021 or newer with less than 60K miles. Same rate on NEW or USED vehicles. As low as rate based on creditworthiness. |
| 73–84 months | 4.89% | With Auto Pay Discount. Only available for loan amounts in excess of $30,000. Eligible vehicles are model year 2021 or newer with less than 60K miles. Same rate on NEW or USED vehicles. As low as rate based on creditworthiness. |
Sources (3)
- advfcu.org/borrow/consumer-loans/auto-loans.html
- advfcu.org/borrow/consumer-loans
- advfcu.org/services-tools/tools/rates.html
All captured Oct 15, 2026
Motorcycle Loans
Rates are based on <=80% LTV ratio. Rates are higher for LTV ratio between 80.01% and 100%. Rates are based on applicant's credit worthiness. Your actual rate may vary.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | — |
| up to 48 months | 4.39% | With Auto Pay Discount |
| 49–60 months | 5.49% | — |
| 49–60 months | 5.39% | With Auto Pay Discount |
Sources (1)
- advfcu.org/services-tools/tools/rates.html · captured Oct 15, 2026
Who can join Advantage Financial 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
- All individuals who live, work, worship, or go to school in Washington, D.C. are eligible for membership.
Military, government and schools
- Albany Stratton VA Medical Center, Albany, NY employees and contractors are eligible for membership.
- Members of American Legion Fort Orange Post 30 are eligible for membership.
- U.S. Veterans who are members of AmVets serviced at the Albany Stratton VA Medical Center are eligible for membership.
- U.S. Veterans who are members of AmVets serviced at VA Medical Center Brooklyn are eligible for membership.
- Members of Disabled American Veterans Marcelle-Nolan Chapter 158 are eligible for membership.
7 more ways to join
Military, government and schools
- Members of Disabled American Veterans Rev. Frances A. Kelley Chapter 38 are eligible for membership.
- Department of Defense civilian and military personnel at Fort Hamilton, Brooklyn, NY are eligible for membership.
- VA Regional Office, Albany, NY employees and contractors are eligible for membership.
- VA Medical Center Brooklyn, NY employees and contractors are eligible for membership.
- Department of Veterans Affairs (VA) Central Office employees and contractors are eligible for membership.
- VA Philadelphia Regional Benefit Office employees and contractors in Philadelphia, PA are eligible for membership.
Family and household
- Family members of existing Advantage Financial members (including spouse, children, parents, brothers, sisters, stepchildren, stepparents, grandchildren, grandparents, domestic partners) and individuals living in the same household are eligible to join.
Membership information collected October 4, 2026.