Credit union · NCUA insured
Alcose Credit Union Auto Loan Rates
Alcose Credit Union auto loans start at 5.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.
How Alcose Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Alcose Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alcose Credit Union
5.25%APR
- Terms
- up to 60 months
- Discount
- None included
New/Used Auto Loan
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
Alcose Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Alcose 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.
Motorcycles
Requires $25.00 minimum balance in share account plus an additional $125.00 held until the loan is paid in full. Vehicle documentation and proof of insurance required. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 10.25% | — |
Sources (1)
- alcosecu.com/loans · captured Oct 16, 2026
New/Used Auto Loan
Requires $25.00 minimum balance in share account plus an additional $125.00 held until the loan is paid in full. Requires one month of current paystubs, vehicle documentation (purchase order from dealer, private party sales agreement, or 10-day payoff letter for refinance), and current proof of car insurance. Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles) starting April 1, 2025.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | New Vehicles 2025 – 2026 |
| up to 60 months | 5.25% | New Vehicles 2025 – 2026 |
| up to 84 months | 5.75% | New Vehicles 2025 – 2026 |
| up to 72 months | 5.75% | Used Vehicles 2023 – 2025 |
| up to 60 months | 6.25% | Used Vehicles 2020 – 2022 |
| up to 48 months | 6.75% | Used Vehicles 2019 and older |
Sources (3)
- alcosecu.com/wp-content/upload…oans-attachments-web.pdf
- alcosecu.com/loan-application
- alcosecu.com/loans
All captured Oct 16, 2026
Who can join Alcose Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of listed participating employer groups and sponsor organizations are eligible for membership.
Family and household
- Family members or household members of current Alcose Credit Union members are eligible for membership.
Cost to join
- A $25.00 initial savings share deposit is required to open an account and maintain membership.
Membership information collected October 5, 2026.