Credit union · NCUA insured
Bee Federal Credit Union Auto Loan Rates
Bee Federal Credit Union auto loans start at 5.05% APR for a new vehicle and 5.15% for a used one. Rates checked October 22, 2026.
How Bee Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Salisbury, MD, where Bee Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bee Federal Credit Union
5.05%APR
- Terms
- up to 72 months
- Up to
- 9.80% APR
- Discount
- None included
New Vehicle Loans
2nd-lowest rate
Tidemark Federal Credit Union
5.25%APR
- Terms
- —
- Up to
- —
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Bee Federal Credit Union auto loan score
81
Auto loan score
Higher than 55% of U.S. banks and credit unions
- New vehicleNew5.05%
- Used vehicleUsed5.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bee 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 Vehicle Loans
Maximum loan 98% of MSRP sticker price up to $65,000. Collision insurance with minimum $500 deductible required. Copy of dealer's buyers order required. Member deposit of 10%-20% of loan request may be required. $40 loan processing fee applies. Total unsecured and vehicle loans balance limit $100,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.05%–9.80% | APR varies by credit score (750+ to Under 600) |
| up to 84 months | 5.05%–9.80% | APR varies by credit score (750+ to Under 600) |
Used Vehicle Loans
Maximum loan 95% of NADA Used Car Guide. Collision insurance with minimum $500 deductible required. No loans made on vehicles with a Salvage Title. Copy of invoice or Bill of Sale and recent picture required. Member deposit of 10%-20% of loan request may be required. $40 loan processing fee applies. Total unsecured and vehicle loans balance limit $100,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.15%–10.40% | 1 - 4 Years Old; APR varies by credit score (750+ to Under 600) |
| up to 84 months | 5.15%–10.40% | 1 - 4 Years Old; APR varies by credit score (750+ to Under 600) |
| up to 60 months | 5.65%–10.90% | 5-8 Years Old; APR varies by credit score (750+ to Under 600) |
| up to 72 months | 5.65%–10.90% | 5-8 Years Old; APR varies by credit score (750+ to Under 600) |
| up to 60 months | 6.45%–11.70% | 9-12 Years Old; APR varies by credit score (750+ to Under 600) |
| up to 72 months | 6.45%–11.70% | 9-12 Years Old; APR varies by credit score (750+ to Under 600) |
Who can join Bee Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Retirees from Wicomico County Public Schools (WCPS) or Wicomico County Government (WCG) are eligible for membership.
- Current employees of Wicomico County Government (WCG) are eligible for membership.
- Current employees of Wicomico County Public Schools (WCPS) are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relationships) of a current employee or retiree of WCPS or WCG are eligible for membership.
- Household members living in the same residence and maintaining a single economic unit with a current employee or retiree of WCPS or WCG are eligible for membership.
- Spouses of members who have died are eligible for membership.
Cost to join
- A $5 share deposit submitted with the Member Application Form is required to become a member.
Membership information collected October 4, 2026.