APG Federal Credit Union Auto Loan Rates

How APG Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Baltimore, MD, where APG Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
APG Federal Credit Union
5.29%APR
Terms
52–63 months
Discount
Included in the rate
New Car & Truck Rates
Lowest rate
LM Federal Credit Union
4.24%APR
Terms
49–60 months
Discount
Included in the rate
LM Federal Credit Union rates
2nd-lowest rate
POCU of Maryland
4.29%APR
Terms
up to 72 months
Discount
None included
POCU of Maryland rates

Compare auto loan rates near you →

Auto loan score

Higher than 29% of U.S. banks and credit unions

By vehicle

New vehicleNew5.29%
Used vehicleUsed5.44%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where APG 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 Car & Truck Rates

Automated payment from an APGFCU account required to qualify for stated rates. Rates honored for 30 days from loan decision. Vehicle considered new if current or previous two model years and never titled.

Terms	APR	Conditions
1–36 months	4.79%	Automated payments from an APGFCU account required.
37–51 months	5.04%	Automated payments from an APGFCU account required.
52–63 months	5.29%	Automated payments from an APGFCU account required.
64–75 months	5.69%	Automated payments from an APGFCU account required. Minimum loan amount is $20,000.
76–84 months	6.59%	Automated payments from an APGFCU account required. Minimum loan amount is $20,000.

Sources (1)

apgfcu.com/rates/car-loan-rates.html · captured Oct 22, 2026

New Car & Truck Refinance Loan Rates

Valid for external refinances only with automated payments from an APGFCU account. Assumes eligibility for 0.50% external refinance discount when existing loan has been open for minimum 90 days. Rates honored for 30 days from loan decision. No refinance fees.

Terms	APR	Conditions
1–36 months	4.29%–15.59%	Reflects approved credit with automated payments and 0.50% external refinance discount (existing loan open for >=90 days). Overall APR range for new auto external refinance is 4.29% to 15.59%.
37–51 months	4.54%	Reflects approved credit with automated payments and 0.50% external refinance discount (existing loan open for >=90 days).
52–63 months	4.79%	Reflects approved credit with automated payments and 0.50% external refinance discount (existing loan open for >=90 days).
64–75 months	5.19%	Minimum loan amount is $20,000. Reflects approved credit with automated payments and 0.50% external refinance discount (existing loan open for >=90 days).
76–84 months	6.09%	Minimum loan amount is $20,000. Reflects approved credit with automated payments and 0.50% external refinance discount (existing loan open for >=90 days). 84-month term available on vehicle loans of $20,000 or greater.

Sources (2)

All captured Oct 22, 2026

Used Car & Truck Rates

Available for purchases from a franchise dealer or refinances on model years of up to two years old. Automated payment from an APGFCU account required. Maximum loan term for used vehicles between 3 and 7 years old is 75 months; 8 years or older is 63 months. Rates honored for 30 days from loan decision.

Terms	APR	Conditions
1–36 months	4.94%	Automated payments from an APGFCU account required.
37–51 months	5.19%	Automated payments from an APGFCU account required.
52–63 months	5.44%	Automated payments from an APGFCU account required.
64–75 months	5.84%	Automated payments from an APGFCU account required. Minimum loan amount is $20,000. Maximum term for used vehicles 3–7 years old is 75 months.
76–84 months	6.74%	Automated payments from an APGFCU account required. Minimum loan amount is $20,000. Only available for vehicles up to 2 years old.

Sources (1)

apgfcu.com/rates/car-loan-rates.html · captured Oct 22, 2026

Used Car & Truck Refinance Loan Rates

Terms	APR	Conditions
1–36 months	4.44%–17.09%	Reflects approved credit with automated payments and 0.50% external refinance discount (existing loan open for >=90 days). Overall APR range for used auto external refinance is 4.44% to 17.09%.
37–51 months	4.69%	Reflects approved credit with automated payments and 0.50% external refinance discount (existing loan open for >=90 days).
52–63 months	4.94%	Reflects approved credit with automated payments and 0.50% external refinance discount (existing loan open for >=90 days).
64–75 months	5.34%	Minimum loan amount is $20,000. Reflects approved credit with automated payments and 0.50% external refinance discount (existing loan open for >=90 days).
76–84 months	6.24%	Minimum loan amount is $20,000. Reflects approved credit with automated payments and 0.50% external refinance discount (existing loan open for >=90 days). 84-month term available on vehicle loans of $20,000 or greater.

Sources (2)

All captured Oct 22, 2026

Who can join APG Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Other ways

Youth membership is available for individuals ages 0 through 17 with a $5 minimum savings account opening deposit.

Cost to join

A minimum deposit of $5 is required to open and maintain a share savings account.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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