Credit union · NCUA insured
Apple FCU Auto Loan Rates
Top CarrotApple FCU auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Apple FCU’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Apple FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Apple FCU
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Apple FCU auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Apple FCU 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
Rates include a 0.25% Direct Deposit rate discount. Current Apple FCU Auto Loans are not eligible for refinance. Maximum loan amount of $100,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Minimum loan of $5,000. Advertised as low as rate is based on 36-month term and includes maximum down payment loan-to-value discount (finance up to 80% of vehicle value) and 0.25% Direct Deposit discount. |
| up to 48 months | 4.74% | Minimum loan of $5,000. Includes 0.25% Direct Deposit discount. |
| up to 60 months | 4.99% | Minimum loan of $5,000. Includes 0.25% Direct Deposit discount. |
| up to 72 months | 5.24% | Minimum loan of $15,000. Includes 0.25% Direct Deposit discount. |
| up to 84 months | 5.49% | Minimum loan of $25,000; vehicle must be current or previous model year. Includes 0.25% Direct Deposit discount. |
New Motorcycle Loan
APR as low as includes a 0.25% Direct Deposit rate discount. Maximum loan amount $25,000 for Motorcycle Loans. Rates effective 2026-10-22.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.54% | 100% of purchase price. Advertised as low as rate is based on 36-month term and includes maximum down payment loan-to-value discount (up to 80% financing) and 0.25% Direct Deposit discount. |
| up to 48 months | 5.14% | 100% of purchase price. Includes 0.25% Direct Deposit discount. |
| up to 60 months | 5.39% | 100% of purchase price; minimum loan $8,500. Includes 0.25% Direct Deposit discount. |
| up to 72 months | 5.64% | 100% of purchase price. Minimum loan $15,000. Includes 0.25% Direct Deposit discount. |
| up to 84 months | 5.89% | 100% of purchase price; minimum loan $20,000. Includes 0.25% Direct Deposit discount. |
Used Auto Loan
Finances vehicles up to 10 model years old with maximum mileage of 150,000. Current Apple FCU Auto Loans are not eligible for refinance. Rates include a 0.25% Direct Deposit rate discount. Maximum loan amount of $100,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000. Used Auto Loans 9-10 model years priced 0.50% above regular rate. Advertised as low as rate is based on 36-month term and includes maximum down payment loan-to-value discount (up to 80% financing) and 0.25% Direct Deposit discount. |
| up to 48 months | 5.24% | Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000. Used Auto Loans 9-10 model years priced 0.75% above regular rate. Includes 0.25% Direct Deposit discount. |
| up to 60 months | 5.49% | Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000. Used Auto Loans 9-10 model years max term 60 months and priced 1.00% above regular rates. Includes 0.25% Direct Deposit discount. |
| up to 72 months | 5.74% | Minimum loan of $15,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000. Includes 0.25% Direct Deposit discount. |
| up to 84 months | 5.99% | Minimum loan amount $25,000; vehicle must be no more than 3 model years old (current plus 2 previous models). Maximum mileage of 150,000. Includes 0.25% Direct Deposit discount. |
Used Motorcycle Loan
APR as low as includes a 0.25% Direct Deposit rate discount. Maximum loan amount $25,000 for Motorcycle Loans. Rates effective 2026-10-22.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.39% | Up to 100% NADA retail value. Advertised as low as rate is based on 36-month term and includes maximum down payment loan-to-value discount (up to 80% financing) and 0.25% Direct Deposit discount. |
| up to 48 months | 5.64% | Up to 100% NADA retail value. Includes 0.25% Direct Deposit discount. |
| up to 60 months | 5.89% | Up to 100% NADA retail value; minimum loan $8,500. Includes 0.25% Direct Deposit discount. |
| up to 72 months | 6.14% | Up to 100% NADA retail value; minimum loan $15,000. Includes 0.25% Direct Deposit discount. |
Who can join Apple FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.