Credit union · NCUA insured
AmeriChoice Federal Credit Union Auto Loan Rates
Top CarrotAmeriChoice Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How AmeriChoice Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Harrisburg, PA, where AmeriChoice Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AmeriChoice Federal Credit Union
5.49%APR
- Terms
- 49–60 months
Auto Loan
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
PA Central Federal Credit Union
4.99%APR
- Terms
- up to 84 months
AmeriChoice Federal Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AmeriChoice 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 Loan
Rates and terms are based on creditworthiness and subject to credit approval. Rates are subject to change without notice. Multi-Auto Loan Program offers a 0.25% discount on second auto loans and 0.50% discount on additional loans beyond a second.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | New vehicles. Rate is based on applicant creditworthiness. |
| 49–60 months | 5.49% | New vehicles. Rate is based on applicant creditworthiness. |
| 61–72 months | 5.49% | New vehicles. Rate is based on applicant creditworthiness. |
| 73–84 months | 5.99% | New vehicles. Rate is based on applicant creditworthiness. |
| up to 48 months | 5.49% | Used vehicles (2020 and newer). Rate is based on applicant creditworthiness. |
| 49–60 months | 5.74% | Used vehicles (2020 and newer). Rate is based on applicant creditworthiness. |
| 61–72 months | 5.99% | Used vehicles (2020 and newer). Rate is based on applicant creditworthiness. |
| 73–84 months | 6.24% | Used vehicles (2020 and newer). Rate is based on applicant creditworthiness. |
| up to 60 months | 5.99% | Used vehicles (2017-2019 models). Rate is based on applicant creditworthiness. |
| 61–72 months | 6.24% | Used vehicles (2017-2019 models). Rate is based on applicant creditworthiness. |
| up to 60 months | 6.99% | Used vehicles (2016 and older models). Rate is based on applicant creditworthiness. |
Sources (2)
All captured Oct 7, 2026
Who can join AmeriChoice 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 is open to anyone who lives, works, worships, or attends school in Adams, Cumberland, Dauphin, Lebanon, Perry, or York counties in Pennsylvania.
Membership information collected October 5, 2026.