Credit union · NCUA insured
American Spirit Federal Credit Union Auto Loan Rates
American Spirit Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How American Spirit Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where American Spirit Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
American Spirit Federal Credit Union
5.50%APR
- Terms
- up to 60 months
- Up to
- 17.75% APR
- Discount
- None included
Auto – New and Used
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
American Spirit Federal Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where American Spirit 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 – New and Used
Rates may vary based on credit score. Preferred borrower rates apply. Auto Loan rates available for vehicles not previously financed at American Spirit Federal Credit Union. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99%–17.25% | Rates based on credit history/score. Preferred borrower rates apply. Offer not available for existing American Spirit FCU Auto Loans. |
| up to 36 months | 3.99%–17.25% | Rates based on credit history/score. Preferred borrower rates apply. Offer not available for existing American Spirit FCU Auto Loans. |
| up to 48 months | 5.00%–17.75% | Rates based on credit history/score. Preferred borrower rates apply. Offer not available for existing American Spirit FCU Auto Loans. |
| up to 60 months | 5.50%–17.75% | Rates based on credit history/score. Preferred borrower rates apply. Offer not available for existing American Spirit FCU Auto Loans. |
| up to 72 months | 6.00%–17.75% | Rates based on credit history/score. Preferred borrower rates apply. Offer not available for existing American Spirit FCU Auto Loans. |
| up to 84 months | 6.50%–17.75% | Rates based on credit history/score. Preferred borrower rates apply. Offer not available for existing American Spirit FCU Auto Loans. |
| up to 96 months | 7.00%–17.75% | Rates based on credit history/score. Preferred borrower rates apply. Offer not available for existing American Spirit FCU Auto Loans. |
Sources (3)
All captured Oct 22, 2026
Motorcycles
Rates may vary from the rate shown based on your credit score. Preferred borrower rates apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99%–17.25% | Rates based on credit history/score. Preferred borrower rates apply. |
| up to 36 months | 3.99%–17.25% | Rates based on credit history/score. Preferred borrower rates apply. |
| up to 48 months | 5.00%–17.75% | Rates based on credit history/score. Preferred borrower rates apply. |
| up to 60 months | 5.50%–17.75% | Rates based on credit history/score. Preferred borrower rates apply. |
| up to 72 months | 6.00%–17.75% | Rates based on credit history/score. Preferred borrower rates apply. |
| up to 84 months | 6.50%–17.75% | Rates based on credit history/score. Preferred borrower rates apply. |
| up to 96 months | 7.00%–17.75% | Rates based on credit history/score. Preferred borrower rates apply. |
Sources (1)
- americanspirit.org/loan-rates · captured Oct 22, 2026
Title Loans
Rates may vary from the rate shown based on your credit score. Preferred borrower rates apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 18.00% | Rates based on credit history/score. Preferred borrower rates apply. |
Sources (1)
- americanspirit.org/loan-rates · captured Oct 22, 2026
Who can join American Spirit Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.