Credit union · NCUA insured
B-M S Federal Credit Union Auto Loan Rates
Top CarrotB-M S Federal Credit Union auto loans start at 6.75% APR for a new vehicle and 6.75% for a used one. Rates checked October 22, 2026.
How B-M S Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Trenton, NJ, where B-M S Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
B-M S Federal Credit Union
6.75%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Car Loans
Lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
New Jersey Law & Public Safety Credit Union
3.59%APR
- Terms
- 24–84 months
- Up to
- 14.69% APR
- Discount
- None included
B-M S Federal Credit Union auto loan score
62
Auto loan score
Higher than 7% of U.S. banks and credit unions
- New vehicleNew6.75%
- Used vehicleUsed6.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where B-M S 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 Loans
100% financing including tax and title on NEW cars. All loan applications will be subject to a credit bureau report before the loan is approved. A hold of $100.00 will be placed on your main share account for the duration of any loan with B-MS Federal Credit Union. Loan policy and rates subject to change without prior notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.25% | — |
| up to 36 months | 5.75% | — |
| up to 48 months | 6.25% | — |
| up to 60 months | 6.75% | — |
| up to 72 months | 7.25% | Must be over $20,000. |
Pre-Owned Car Loans
100% book value (Retail). All loan applications will be subject to a credit bureau report before the loan is approved. A hold of $100.00 will be placed on your main share account for the duration of any loan with B-MS Federal Credit Union. Loan policy and rates subject to change without prior notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.25% | — |
| up to 36 months | 5.75% | — |
| up to 48 months | 6.25% | — |
| up to 60 months | 6.75% | — |
Who can join B-M S Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.