Credit union · NCUA insured
BCPSFCU Auto Loan Rates
BCPSFCU auto loans start at 5.00% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How BCPSFCU’s auto loan rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where BCPSFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BCPSFCU
5.00%APR
- Terms
- up to 84 months
- Up to
- —
New Auto
Lowest rate
Bulldog Federal Credit Union
4.00%APR
- Terms
- 49–84 months
- Up to
- —
2nd-lowest rate
Eastern Panhandle Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- 11.24% APR
BCPSFCU auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BCPSFCU 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
Rate based on credit score. Terms based on amount borrowed. Rates are subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.00% | Credit Score above 740; Fixed rate |
| up to 84 months | 5.50% | Credit Score 700-739; Fixed rate |
| up to 84 months | 6.00% | Credit Score 640-699; Fixed rate |
| up to 84 months | 8.50% | Credit Score 590-639; Fixed rate |
| up to 84 months | 11.50% | Credit Score 589 and lower; Fixed rate |
Used Auto
Rate based on credit score. Terms based on amount borrowed. Rates are subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.50% | Credit Score above 740; Fixed rate |
| up to 84 months | 6.00% | Credit Score 700-739; Fixed rate |
| up to 84 months | 7.50% | Credit Score 640-699; Fixed rate |
| up to 84 months | 9.50% | Credit Score 590-639; Fixed rate |
| up to 84 months | 12.00% | Credit Score 589 and lower; Fixed rate |
Who can join BCPSFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Full time employees of Berkeley County Schools are eligible to join.
Family and household
- Immediate family members (spouses, children, parents, brothers, sisters, grandparents, and grandchildren) of members are eligible to join.
Cost to join
- A $5.00 membership fee is required at the time of opening an account.
- A minimum share deposit of $5.00 in a shares (savings) account is required to establish ownership.
Membership information collected October 4, 2026.