Credit union · NCUA insured
APL Federal Credit Union Auto Loan Rates
Top CarrotAPL Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How APL Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where APL Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
APL Federal Credit Union
4.99%APR
- Terms
- up to 84 months
- Discount
- None included
Classic Vehicle
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
APL Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where APL 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.
Classic Vehicle
For certain older vehicles that have unique value and may increase in value each year. Loans up to $150,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Loans up to $150,000 with any term up to 7 years. Some restrictions may apply. |
Motorcycle
Any term up to 7 years with no model year restrictions. Finance up to 100% of the vehicle's value.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Any term up to 7 years with no model year restrictions. |
New and Used Autos
No model year restrictions. Finance up to 100% of the vehicle's value.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Any term up to 7 years with no model year restrictions. |
Sources (4)
All captured Oct 4, 2026
Refinanced Autos
No model year restrictions. Refinancing a loan from another lender.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Any term up to 7 years with no model year restrictions. |
Who can join APL 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This may be incomplete or out of date, so check with the credit union before you apply.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, attends school, or regularly conducts business in Howard County, Maryland.
Family and household
- Immediate family members of current credit union members are eligible for membership, even if they do not live or work in Howard County.
Membership information collected October 4, 2026.