Credit union · NCUA insured
Andrews Federal Credit Union Auto Loan Rates
Top CarrotAndrews Federal Credit Union auto loans start at 5.19% APR for a new vehicle and 5.54% for a used one. Rates checked October 22, 2026.
How Andrews Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Andrews Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Andrews Federal Credit Union
5.19%APR
- Terms
- up to 60 months
New Auto Loan
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Andrews Federal Credit Union auto loan score
75
Auto loan score
Higher than 39% of U.S. banks and credit unions
- New vehicleNew5.19%
- Used vehicleUsed5.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Andrews 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 Auto Loan
Must be a member of the credit union to open any loan account. Financing available up to 120% of J.D. Power/NADA value including tags, title, taxes, and fees. Minimum loan amount $5,000 ($15,000 for 72-month terms, $20,000 for 84-month terms), maximum $150,000. New vehicle defined as untitled, current- or prior-model-year with fewer than 7,500 miles, original owner. Vehicles more than 10 model years old not eligible. Existing Andrews Federal auto loans ineligible for refinance at these rates/terms unless borrowing an additional $5,000 or more. 90-day payment deferral option available for qualified applicants.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | APR as low as 4.49%. Monthly payment per $1,000 borrowed is $29.75. Rates, terms and conditions vary based on creditworthiness and qualifications. |
| up to 48 months | 5.09% | APR as low as 5.09%. Monthly payment per $1,000 borrowed is $23.08. Rates, terms and conditions vary based on creditworthiness and qualifications. |
| up to 60 months | 5.19% | APR as low as 5.19%. Monthly payment per $1,000 borrowed is $18.96. Rates, terms and conditions vary based on creditworthiness and qualifications. |
| up to 72 months | 6.02% | APR as low as 6.02%. Monthly payment per $1,000 borrowed is $16.59. Minimum loan amount $15,000 for 72-month terms. Rates, terms and conditions vary based on creditworthiness and qualifications. |
| up to 84 months | 6.17% | APR as low as 6.17%. Monthly payment per $1,000 borrowed is $14.70. Minimum loan amount $20,000 for 84-month terms. Rates, terms and conditions vary based on creditworthiness and qualifications. |
Sources (1)
- andrewsfcu.org/loans/new-used-auto-loans · captured Oct 22, 2026
New Harley Davidson Motorcycle Loans
A new Harley-Davidson motorcycle is defined as an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles and you as the original owner. Minimum loan amount $5,000 ($15,000 for 72-month terms, $20,000 for 84-month terms), maximum $150,000. Financing up to 120% of MSRP or JD Power/NADA value, inclusive of tags, title, taxes, and fees. Collateral cannot be more than 10 model years old.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.89% | APR as low as 10.89%. Monthly payment per $1,000 borrowed is $32.69. |
| up to 48 months | 11.39% | APR as low as 11.39%. Monthly payment per $1,000 borrowed is $26.04. |
| up to 60 months | 11.89% | APR as low as 11.89%. Monthly payment per $1,000 borrowed is $22.20. |
| up to 72 months | 12.39% | APR as low as 12.39%. Monthly payment per $1,000 borrowed is $19.76. Minimum loan amount $15,000 for 72-month terms. |
| up to 84 months | 12.89% | APR as low as 12.89%. Monthly payment per $1,000 borrowed is $18.14. Minimum loan amount $20,000 for 84-month terms. |
Sources (1)
- andrewsfcu.org/loans/motorcycle-rv-boat-loans · captured Oct 22, 2026
New Motorcycle Loans (non Harley Davidson)
A new motorcycle is defined as an untitled, current- or prior-model-year motorcycle with fewer than 7,500 miles and you as the original owner. Minimum loan amount $5,000 ($15,000 for 72-month terms, $20,000 for 84-month terms), maximum $150,000. Financing up to 120% of MSRP or JD Power/NADA value. Collateral cannot be more than 10 model years old.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 11.89% | APR as low as 11.89%. Monthly payment per $1,000 borrowed is $33.17. |
| up to 48 months | 12.39% | APR as low as 12.39%. Monthly payment per $1,000 borrowed is $26.53. |
| up to 60 months | 12.89% | APR as low as 12.89%. Monthly payment per $1,000 borrowed is $22.70. |
| up to 72 months | 13.39% | APR as low as 13.39%. Monthly payment per $1,000 borrowed is $20.29. Minimum loan amount $15,000 for 72-month terms. |
| up to 84 months | 13.89% | APR as low as 13.89%. Monthly payment per $1,000 borrowed is $18.69. Minimum loan amount $20,000 for 84-month terms. |
Sources (1)
- andrewsfcu.org/loans/motorcycle-rv-boat-loans · captured Oct 22, 2026
Refinance Auto Loan
Must be a member of the credit union to finalize loan. Existing Andrews Federal auto loans are not eligible for refinance at these rates or terms unless you borrow an additional $5,000 or more above current loan balance. Minimum loan amount is $5,000 ($15,000 for 72-month terms, $20,000 for 84-month terms), maximum loan amount $150,000. Vehicles more than 10 model years old are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Refinance for new vehicle. APR as low as 4.49%. Monthly payment per $1,000 borrowed is $29.75. A new vehicle is defined as untitled, current- or prior-model-year with fewer than 7,500 miles. |
| up to 48 months | 5.09% | Refinance for new vehicle. APR as low as 5.09%. Monthly payment per $1,000 borrowed is $23.08. A new vehicle is defined as untitled, current- or prior-model-year with fewer than 7,500 miles. |
| up to 60 months | 5.19% | Refinance for new vehicle. APR as low as 5.19%. Monthly payment per $1,000 borrowed is $18.96. A new vehicle is defined as untitled, current- or prior-model-year with fewer than 7,500 miles. |
| up to 72 months | 6.02% | Refinance for new vehicle. APR as low as 6.02%. Monthly payment per $1,000 borrowed is $16.59. Minimum loan amount $15,000 for 72-month terms. A new vehicle is defined as untitled, current- or prior-model-year with fewer than 7,500 miles. |
| up to 84 months | 6.17% | Refinance for new vehicle. APR as low as 6.17%. Monthly payment per $1,000 borrowed is $14.70. Minimum loan amount $20,000 for 84-month terms. A new vehicle is defined as untitled, current- or prior-model-year with fewer than 7,500 miles. |
| up to 36 months | 5.10% | Refinance for used vehicle. APR as low as 5.10%. Monthly payment per $1,000 borrowed is $30.02. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. |
| up to 48 months | 5.44% | Refinance for used vehicle. APR as low as 5.44%. Monthly payment per $1,000 borrowed is $23.23. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. |
| up to 60 months | 5.54% | Refinance for used vehicle. APR as low as 5.54%. Monthly payment per $1,000 borrowed is $19.13. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. |
| up to 72 months | 6.70% | Refinance for used vehicle. APR as low as 6.70%. Monthly payment per $1,000 borrowed is $16.91. Minimum loan amount $15,000 for 72-month terms. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. |
| up to 84 months | 7.10% | Refinance for used vehicle. APR as low as 7.10%. Monthly payment per $1,000 borrowed is $15.15. Minimum loan amount $20,000 for 84-month terms. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. |
Sources (2)
All captured Oct 22, 2026
Used Auto Loan
Must be a member of the credit union to open any loan account. Financing available up to 120% of J.D. Power/NADA value including tags, title, taxes, and fees. Minimum loan amount $5,000 ($15,000 for 72-month terms, $20,000 for 84-month terms), maximum $150,000. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles. Vehicles more than 10 model years old not eligible. Existing Andrews Federal auto loans ineligible for refinance at these rates/terms unless borrowing an additional $5,000 or more. 90-day payment deferral option available for qualified applicants.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.10% | APR as low as 5.10%. Monthly payment per $1,000 borrowed is $30.02. Rates, terms and conditions vary based on creditworthiness and qualifications. |
| up to 48 months | 5.44% | APR as low as 5.44%. Monthly payment per $1,000 borrowed is $23.23. Rates, terms and conditions vary based on creditworthiness and qualifications. |
| up to 60 months | 5.54% | APR as low as 5.54%. Monthly payment per $1,000 borrowed is $19.13. Rates, terms and conditions vary based on creditworthiness and qualifications. |
| up to 72 months | 6.70% | APR as low as 6.70%. Monthly payment per $1,000 borrowed is $16.91. Minimum loan amount $15,000 for 72-month terms. Rates, terms and conditions vary based on creditworthiness and qualifications. |
| up to 84 months | 7.10% | APR as low as 7.10%. Monthly payment per $1,000 borrowed is $15.15. Minimum loan amount $20,000 for 84-month terms. Rates, terms and conditions vary based on creditworthiness and qualifications. |
Sources (1)
- andrewsfcu.org/loans/new-used-auto-loans · captured Oct 22, 2026
Used Motorcycle Loans (non Harley Davidson)
Financing available up to 120% of MSRP or JD Power/NADA value, inclusive of tags, title, taxes, and fees. Minimum loan amount $5,000 ($15,000 for 72-month terms, $20,000 for 84-month terms), maximum $150,000. Existing Andrews Federal vehicle loans are not eligible for refinance at these rates or terms unless borrowing an additional $5,000 or more above current loan balance. Andrews Federal does not finance motorcycles more than 10 model years old.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 12.49% | APR as low as 12.49%. Monthly payment per $1,000 borrowed is $33.45. |
| up to 48 months | 12.99% | APR as low as 12.99%. Monthly payment per $1,000 borrowed is $26.83. |
| up to 60 months | 13.49% | APR as low as 13.49%. Monthly payment per $1,000 borrowed is $23.01. |
| up to 72 months | 13.99% | APR as low as 13.99%. Monthly payment per $1,000 borrowed is $20.61. Minimum loan amount $15,000 for 72-month terms. |
| up to 84 months | 14.49% | APR as low as 14.49%. Monthly payment per $1,000 borrowed is $19.02. Minimum loan amount $20,000 for 84-month terms. |
Sources (1)
- andrewsfcu.org/loans/motorcycle-rv-boat-loans · captured Oct 22, 2026
Who can join Andrews 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
- Eligible if you live, work, attend school, or worship in Washington, D.C.
Employers and groups
- Eligible as an employee or member of an eligible Select Employee Group (SEG) or partner employer/organization.
Military, government and schools
- Eligible for Active Duty U.S. Military or DoD Civilian personnel (and dependents/survivors) stationed in Belgium, the Netherlands, and northern/central Germany under SOFA with authorized logistical support.
- Eligible if assigned to, receiving benefits from, or civilian personnel working at Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst (and dependents/survivors).
Family and household
- Eligible if you are an immediate family member (spouse, child, sibling, parent, grandparent, grandchild) or household member of an existing member.
Other ways
- Eligible through membership in the American Consumer Council (ACC) at no cost for qualifying American consumers.
Cost to join
- Establishing membership requires maintaining a minimum deposit of $5 in a Base Share Savings account.
Membership information collected October 4, 2026.