Credit union · NCUA insured
BankFund Credit Union Auto Loan Rates
BankFund Credit Union auto loans start at 3.25% APR for a new vehicle and 3.75% for a used one. Rates checked October 22, 2026.
How BankFund Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where BankFund Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BankFund Credit Union
3.25%APR
- Terms
- up to 60 months
New Vehicle Loan
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
BankFund Credit Union auto loan score
96
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.25%
- Used vehicleUsed3.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BankFund 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 Vehicle Loan
Membership in BankFund required. Rates displayed have discounts applied (up to 1.25% total discount: 0.50% Global Rewards Optimum Level, 0.50% TrueCar Car Buying Service for terms up to 60 months on purchases, and 0.25% Green Car discount for US EPA Certified SmartWay vehicles). Refinancing offers limited to auto loans with other lenders. Option to defer payments for up to 60 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.75% | APR as low as 2.750% with discounts applied. Based on creditworthiness. |
| up to 48 months | 3.00% | APR as low as 3.000% with discounts applied. Based on creditworthiness. |
| up to 60 months | 3.25% | APR as low as 3.250% with discounts applied. Based on creditworthiness. |
| up to 72 months | 4.25% | APR as low as 4.250% with discounts applied. Based on creditworthiness. Car Buying Service discount does not apply for terms over 60 months. |
| up to 84 months | 5.00% | Minimum loan amount of $50,000 required. APR as low as 5.000% with discounts applied. Based on creditworthiness. Car Buying Service discount does not apply for terms over 60 months. |
| up to 96 months | 6.50% | Minimum loan amount of $50,000 required. APR as low as 6.500% with discounts applied. Based on creditworthiness. Car Buying Service discount does not apply for terms over 60 months. |
Sources (3)
- bfsfcu.org/borrow/apply-for-a-consumer-loan.html
- bfsfcu.org/borrow/auto-loans.html
- bfsfcu.org/borrow/new-auto-loans.html
All captured Oct 22, 2026
Used Vehicle Loan
Membership in BankFund required. Used vehicles include any vehicle with an odometer reading of more than 5,000 miles or older than the immediately previous model year. Rates displayed have discounts applied (up to 1.25% total discount: 0.50% Global Rewards Optimum Level, 0.50% TrueCar Car Buying Service for terms up to 60 months on purchases, and 0.25% Green Car discount for US EPA Certified SmartWay vehicles). Refinancing offers limited to auto loans with other lenders. Option to defer payments for up to 60 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.49% | APR as low as 3.490% with discounts applied. Based on creditworthiness. |
| up to 48 months | 3.74% | APR as low as 3.740% with discounts applied. Based on creditworthiness. |
| up to 60 months | 3.75% | APR as low as 3.750% with discounts applied. Based on creditworthiness. |
| up to 72 months | 4.50% | APR as low as 4.500% with discounts applied. Based on creditworthiness. Car Buying Service discount does not apply for terms over 60 months. |
| up to 84 months | 5.49% | Minimum loan amount of $50,000 required. APR as low as 5.490% with discounts applied. Based on creditworthiness. Car Buying Service discount does not apply for terms over 60 months. |
Sources (3)
- bfsfcu.org/borrow/apply-for-a-consumer-loan.html
- bfsfcu.org/borrow/auto-loans.html
- bfsfcu.org/borrow/used-auto-loans.html
All captured Oct 22, 2026
Who can join BankFund Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.