Credit union · NCUA insured
Belco Community Credit Union Auto Loan Rates
Belco Community Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Belco Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Harrisburg, PA, where Belco Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Belco Community Credit Union
5.24%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
PA Central Federal Credit Union
4.99%APR
- Terms
- up to 84 months
Belco Community Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Belco Community 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.
Auto Loan Refinance
Auto refinance available for 12-84 month terms. Rates quoted include LTV up to 100%. Rate may differ depending upon credit worthiness, Loan-to-value (LTV), loan amount, and term of the loan. Rates are subject to change at any time without prior notice. New vehicle rates apply to vehicles with 5,000 or fewer miles. Refinance of a Belco account requires a minimum of $5,000 in new money.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 4.99% | Starting APR for 12-month term (New Auto/Motorcycle Loans 2025 and newer refinance); includes LTV up to 100%. |
| up to 24 months | 4.99% | Starting APR for 24-month term (New Auto/Motorcycle Loans 2025 and newer refinance); includes LTV up to 100%. |
| up to 36 months | 4.99% | Starting APR for 36-month term (New Auto/Motorcycle Loans 2025 and newer refinance); includes LTV up to 100%. |
| up to 48 months | 5.24% | Starting APR for 48-month term (New Auto/Motorcycle Loans 2025 and newer refinance); includes LTV up to 100%. |
| up to 60 months | 5.24% | Starting APR for 60-month term (New Auto/Motorcycle Loans 2025 and newer refinance); includes LTV up to 100%. |
| up to 72 months | 5.49% | Starting APR for 72-month term (New Auto/Motorcycle Loans 2025 and newer refinance); includes LTV up to 100%. |
| up to 84 months | 5.99% | Starting APR for 84-month term (New Auto/Motorcycle Loans 2025 and newer refinance); includes LTV up to 100%. |
| up to 72 months | 5.74% | Starting APR for 72-month term (Used Auto/Motorcycle Loans up to 10 model years refinance); includes LTV up to 100%. |
Sources (2)
All captured Oct 16, 2026
New Auto Loans
Vehicles with 5,000 or fewer miles (2025 and newer). Rates may differ depending upon credit worthiness, LTV, loan amount, and term of the loan. Rates are subject to change at any time without prior notice. Refinance of a Belco account requires a minimum of $5,000 in new money. Up to 130% financing available with 0% down payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 4.99% | Starting APR for 12-month term (New Auto/Motorcycle Loans 2025 and newer). |
| up to 24 months | 4.99% | Starting APR for 24-month term (New Auto/Motorcycle Loans 2025 and newer). |
| up to 36 months | 4.99% | Starting APR for 36-month term (New Auto/Motorcycle Loans 2025 and newer). |
| up to 48 months | 5.24% | Starting APR for 48-month term (New Auto/Motorcycle Loans 2025 and newer). |
| up to 60 months | 5.24% | Starting APR for 60-month term (New Auto/Motorcycle Loans 2025 and newer). |
| up to 72 months | 5.49% | Starting APR for 72-month term (New Auto/Motorcycle Loans 2025 and newer). |
| up to 84 months | 5.99% | Starting APR for 84-month term (New Auto/Motorcycle Loans 2025 and newer). |
Sources (1)
- belco.org/loan-products/auto-motorcycle/new-auto-loans · captured Oct 16, 2026
Used Auto Loans
Financing for qualifying vehicles up to 10 model years old. Up to 100% financing of the vehicle's value for well-qualified borrowers. Rates based on factors such as credit history, income, existing debt, loan amount, and term. Refinance of a Belco account requires a minimum of $5,000 in new money.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 4.99% | Starting APR for 12-month term (Used Auto/Motorcycle Loans up to 10 model years); includes LTV up to 100%. |
| up to 24 months | 4.99% | Starting APR for 24-month term (Used Auto/Motorcycle Loans up to 10 model years); includes LTV up to 100%. |
| up to 36 months | 4.99% | Starting APR for 36-month term (Used Auto/Motorcycle Loans up to 10 model years); includes LTV up to 100%. |
| up to 48 months | 5.24% | Starting APR for 48-month term (Used Auto/Motorcycle Loans up to 10 model years); includes LTV up to 100%. |
| up to 60 months | 5.24% | Starting APR for 60-month term (Used Auto/Motorcycle Loans up to 10 model years); includes LTV up to 100%. |
| up to 72 months | 5.74% | Starting APR for 72-month term (Used Auto/Motorcycle Loans up to 10 model years); includes LTV up to 100%. |
| up to 84 months | 5.99% | Starting APR for 84-month term (Used Auto/Motorcycle Loans up to 10 model years); includes LTV up to 100%. |
Sources (2)
All captured Oct 16, 2026
Who can join Belco Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, volunteers, or attends school in Adams, Cumberland, Dauphin, Lancaster, Lebanon, Perry, or York counties in Pennsylvania.
Family and household
- Eligibility is open to immediate family members, direct relatives, or dependents of an existing member.
Cost to join
- Membership requires opening a Basic Savings / Share Savings Account with a minimum deposit/balance of $5.00.
Membership information collected October 5, 2026.