Credit union · NCUA insured
Arize Federal Credit Union Auto Loan Rates
Arize Federal Credit Union auto loans start at 6.24% APR for a new vehicle and 6.74% for a used one. Rates checked October 16, 2026.
How Arize Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near State College, PA, where Arize Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Arize Federal Credit Union
6.24%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
New Vehicles — 2026, 2025 & New 2024
Lowest rate
Timberland Federal Credit Union
4.99%APR
- Terms
- 61–72 months
- Up to
- —
2nd-lowest rate
Penn State Federal Credit Union
4.99%APR
- Terms
- 49–60 months
- Up to
- —
Arize Federal Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.24%
- Used vehicleUsed6.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Arize 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.
Motorcycles — 2006 to Current
Loan rates are based on the creditworthiness of applicants and may vary from those shown. 61–84 Months row carries sub-heading 2011–Current Model Year. Minimum loan amount is $5,000. Existing Arize auto loans are not eligible for refinancing unless adding $2,500 to the loan and vehicle value is sufficient collateral. Insurance and membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 11.24%–18.00% | Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points. |
| 61–84 months | 12.24%–18.00% | Listed with 2011–Current Model Year. Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points. |
Sources (1)
- arizefcu.org/rates-loans · captured Oct 6, 2026
New Vehicles — 2026, 2025 & New 2024
Loan rates are based on the creditworthiness of applicants and may vary from those shown. Minimum loan amount is $5,000. Existing Arize auto loans are not eligible for refinancing unless adding $2,500 to the loan and vehicle value is sufficient collateral. Vehicle restrictions, insurance, and membership eligibility apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.24%–18.00% | Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points. |
| 61–72 months | 6.49%–18.00% | Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points. |
| 73–84 months | 7.24%–18.00% | Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points. |
Sources (1)
- arizefcu.org/rates-loans · captured Oct 6, 2026
Used Vehicles — 2021 or Older
Loan rates are based on the creditworthiness of applicants and may vary from those shown. Minimum loan amount is $5,000. Existing Arize auto loans are not eligible for refinancing unless adding $2,500 to the loan and vehicle value is sufficient collateral. Vehicle restrictions, insurance, and membership eligibility apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99%–18.00% | Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points. |
| 61–72 months | 7.49%–18.00% | Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points. |
Sources (1)
- arizefcu.org/rates-loans · captured Oct 6, 2026
Used Vehicles — 2024–2022
Loan rates are based on the creditworthiness of applicants and may vary from those shown. Minimum loan amount is $5,000. Existing Arize auto loans are not eligible for refinancing unless adding $2,500 to the loan and vehicle value is sufficient collateral. Vehicle restrictions, insurance, and membership eligibility apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.74%–18.00% | Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points. |
| 61–72 months | 7.24%–18.00% | Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points. |
| 73–84 months | 8.24%–18.00% | Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points. |
Sources (1)
- arizefcu.org/rates-loans · captured Oct 6, 2026
Who can join Arize 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
- Eligibility is open to anyone who lives, works, worships, volunteers, or attends school in Clearfield, Centre, Blair, Huntingdon, Juniata, Mifflin, Union, Clinton, or Snyder County.
Employers and groups
- Organizations of eligible people qualify for membership.
- Recipients of a pension or annuity from a Centre County employer qualify for membership.
Family and household
- Immediate family or household members of an eligible person qualify for membership.
Cost to join
- A $5 deposit into a share savings account establishes membership ownership and remains in the account during membership.
Membership information collected October 5, 2026.