Credit union · NCUA insured
Allegheny Central Employees Federal Credit Union Auto Loan Rates
Allegheny Central Employees Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 6.49% for a used one. Rates checked October 16, 2026.
How Allegheny Central Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Allegheny Central Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Allegheny Central Employees Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
New Vehicle Loans
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
Allegheny Central Employees Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Allegheny Central Employees 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.
New Vehicle Loans
Rates quoted include a 0.50% discount for paying by Payroll Deduction or Automatic Transfer from an account with Direct Deposit, or 0.50% Birthday Discount (only one discount may be applied; cannot be combined). Rates may vary based on individual's credit history. Applies to Current Year + 2 Years (2026, 2025, 2024).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.24% | Current Year + 2 Years (2026-2025-2024). Includes 0.50% discount for autopay/payroll deduction. |
| up to 60 months | 4.49% | Current Year + 2 Years (2026-2025-2024). Includes 0.50% discount for autopay/payroll deduction. |
| up to 72 months | 4.74% | Current Year + 2 Years (2026-2025-2024). Includes 0.50% discount for autopay/payroll deduction. |
| up to 84 months | 5.24% | Current Year + 2 Years (2026-2025-2024). Includes 0.50% discount for autopay/payroll deduction. |
Used Vehicle Loans
Rates quoted include a 0.50% discount for paying by Payroll Deduction or Automatic Transfer from an account with Direct Deposit, or 0.50% Birthday Discount (only one discount may be applied; cannot be combined). Rates may vary based on individual's credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.24% | Vehicles 3 - 7 Years Old (2023-2022-2021-2020-2019). Includes 0.50% discount for autopay/payroll deduction. |
| up to 60 months | 6.49% | Vehicles 3 - 7 Years Old (2023-2022-2021-2020-2019). Includes 0.50% discount for autopay/payroll deduction. |
| up to 48 months | 7.74% | Vehicles 8 Years and Older (2018). Includes 0.50% discount for autopay/payroll deduction. |
| up to 60 months | 7.99% | Vehicles 8 Years and Older (2018). Includes 0.50% discount for autopay/payroll deduction. |
Who can join Allegheny Central Employees 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
- Membership privileges are available to almost everyone who lives, works, or worships in Fayette County.
Membership information collected October 5, 2026.