Credit union · NCUA insured
APCI Federal Credit Union Auto Loan Rates
Top CarrotAPCI Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 4.24% for a used one. Rates checked October 16, 2026.
How APCI Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where APCI Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
APCI Federal Credit Union
4.24%APR
- Terms
- up to 60 months
New Auto
2nd-lowest rate
Sarco Federal Credit Union
4.50%APR
- Terms
- up to 60 months
3rd-lowest rate
Lehigh Valley Educators CU
4.69%APR
- Terms
- up to 60 months
APCI Federal Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where APCI 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 & Used Motorcycles
2018-2027 model years. Street legal 300cc minimum size motorcycles only. Commercial and coded title (reconstructed, salvage, flood) vehicles excluded. Financing limited to the 50 United States.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.24% | Term up to 6 years based on age of vehicle |
Sources (1)
- apcifcu.org/auto-and-motorcycle · captured Oct 6, 2026
New Auto
Up to 100% Manufacturer's Suggested Retail Price (MSRP) financing available for new vehicles. Eligible vehicles include vehicles with an "A" title, vehicles of current and one previous year, and transfer financing of vehicles financed within the last 6 months with another institution. Same great fixed rates for purchase and transfer financing. Commercial and coded title (reconstructed, salvage, flood) vehicles excluded. Financing limited to the 50 United States.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | — |
| up to 48 months | 4.24% | — |
| up to 60 months | 4.24% | — |
| up to 72 months | 4.49% | — |
| up to 84 months | 4.99% | — |
Older Auto
2006-2016 model years. Commercial and coded title (reconstructed, salvage, flood) vehicles excluded. Financing limited to the 50 United States.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99% | Term up to 5 years based on age of vehicle |
Sources (1)
- apcifcu.org/auto-and-motorcycle · captured Oct 6, 2026
Used Auto
2017 - 2027 model years. Up to 100% JD Power average retail value or Kelly Blue Book fair market value financing available for used vehicles. Same great fixed rates for purchase and transfer financing. Commercial and coded title (reconstructed, salvage, flood) vehicles excluded. Financing limited to the 50 United States.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | 2017-2027 model years |
| up to 48 months | 4.24% | 2017-2027 model years |
| up to 60 months | 4.24% | 2017-2027 model years |
| up to 72 months | 4.49% | 2021-2027 model years |
| up to 84 months | 4.99% | 2023-2027 model years |
Sources (1)
- apcifcu.org/auto-and-motorcycle · captured Oct 6, 2026
Who can join APCI Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Air Products and Chemicals, Inc. who work in the United States are eligible to join.
- Employees of Aramark based at Air Products Global Headquarters who work in, or are paid or supervised from Allentown, PA are eligible to join.
- Employees of ATAS International, Inc. who work in, are paid from, or are supervised from Allentown, Pennsylvania are eligible to join.
- Contractors of Air Products and Chemicals, Inc. who work in the United States are eligible to join.
- Employees of Evonik Corporation who work in or are supervised from Trexlertown, PA are eligible to join.
- Employees of Julabo USA, Inc. who work in, are paid from, or are supervised from Allentown, Pennsylvania are eligible to join.
6 more ways to join
Employers and groups
- Employees of OraSure Technologies, Inc. who work in, are paid from, or are supervised from Bethlehem, Pennsylvania are eligible to join.
- Employees of Air Products Helium, Inc., Air Products Manufacturing Corporation, or Air Products LLC who work in, are paid from, or are supervised from Allentown, Pennsylvania are eligible to join.
- Employees of Versum Materials who work in, are paid from, or are supervised from Burlington, Massachusetts are eligible to join.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relations) and household members (living in same residence maintaining single economic unit) of qualifying employee groups or existing members are eligible to join.
Other ways
- Persons retired as pensioners or annuitants from the qualifying employments are eligible to join.
- Spouses of persons who died while within the field of membership of the credit union are eligible to join.
Membership information collected October 5, 2026.