Credit union · NCUA insured
AT&T Employees Federal Credit Union Auto Loan Rates
AT&T Employees Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 6.00% for a used one. Rates checked October 16, 2026.
How AT&T Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where AT&T Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AT&T Employees Federal Credit Union
5.50%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New Autos & Motorcycles
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
AT&T Employees Federal Credit Union auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AT&T Employees 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 Autos & Motorcycles
Rates include a discount for Auto-pay (Direct Deposit). Financing available up to 100% on new vehicles. Most loan accounts require maintaining a minimum share/savings balance of $100.00 for the duration of the loan.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.75% | Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance. |
| 37–48 months | 5.00% | Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance. |
| 49–60 months | 5.50% | Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance. |
| 61–72 months | 6.00% | Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance. |
| 73–84 months | 6.50% | Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance. |
Sources (4)
All captured Oct 7, 2026
Used Autos & Motorcycles
Rates include a discount for Auto-pay (Direct Deposit). Financing available up to Retail Value plus Options (based on NADA Car Guide) for Used Vehicles. Most loan accounts require maintaining a minimum share/savings balance of $100.00 for the duration of the loan.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 5.50% | Model years 2019 - 2025 over 10K miles. Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance. |
| 37–60 months | 6.00% | Model years 2019 - 2025 over 10K miles. Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance. |
| 61–72 months | 6.75% | Model years 2019 - 2025 over 10K miles. Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance. |
| 73–84 months | 7.25% | Model years 2019 - 2025 over 10K miles. Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance. |
| 12–60 months | 7.50% | Model years 2018 or older. Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance. |
| 61–72 months | 8.00% | Model years 2018 or older. Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance. |
Sources (4)
All captured Oct 7, 2026
Who can join AT&T Employees Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.