Credit union · NCUA insured
BRADFORD AREA SCHOOL EMPLOYEES Auto Loan Rates
BRADFORD AREA SCHOOL EMPLOYEES auto loans start at 5.00% APR for a new vehicle. Rates checked October 16, 2026.
How BRADFORD AREA SCHOOL EMPLOYEES’s auto loan rates compare
Compared with banks and credit unions near Bradford, PA, where BRADFORD AREA SCHOOL EMPLOYEES has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BRADFORD AREA SCHOOL EMPLOYEES
5.00%APR
- Terms
- up to 60 months
- Up to
- 14.75% APR
- Discount
- None included
New Vehicle (2016 and newer)
Lowest rate
High Point Federal Credit Union
4.24%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Mountain Laurel Federal Credit Union
4.49%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
BRADFORD AREA SCHOOL EMPLOYEES auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BRADFORD AREA SCHOOL EMPLOYEES 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.
Brand New Vehicle (Never Been Titled)
Credit score tiers: A+=800+ (reduces A rate by 0.50%, not below 1.5%), A=700-799, B=600-699, C=500-599, D=Below 500. Add 0.75% to all categories to increase term to 72 months. Add 0.50% for vehicles with over 100,000 miles. Available to employees or family members of employees of Bradford Area School District.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.00%–11.50% | Credit score tiers: A (700-799) 4.0% to D (below 500) 11.5%. Tier A+ (800+) reduces A rate by 0.50% (not below 1.5%). Add 0.75% to all categories to increase term to 72 months. Add 0.50% for vehicles over 100,000 miles. |
New Vehicle (2016 and newer)
Credit score tiers: A+=800+ (reduces A rate by 0.50%, not below 1.5%), A=700-799, B=600-699, C=500-599, D=Below 500. Model year 2016 and newer. Add 1.0% to all categories to increase term to 72 months; add 1.5% to increase term to 84 months. Add 0.50% for vehicles with over 100,000 miles. Available to employees or family members of employees of Bradford Area School District.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00%–14.75% | Model year 2016 and newer. Credit score tiers: A (700-799) 5.0% to D (below 500) 14.75%. Tier A+ (800+) reduces A rate by 0.50% (not below 1.5%). Add 1.0% to all categories to increase term to 72 months; add 1.5% to all categories to increase term to 84 months. Add 0.50% for vehicles over 100,000 miles. |
Older Used Vehicle (2011-2008 Auto)
Credit score tiers: A+=800+ (reduces A rate by 0.50%, not below 1.5%), A=700-799, B=600-699, C=500-599, D=Below 500. Model year 2011-2008 Auto (annually adjusted to allow financing nothing older than 15 years from current car year). Add 0.50% for vehicles with over 100,000 miles. Available to employees or family members of employees of Bradford Area School District.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.50%–17.00% | Model year 2011-2008 Auto. Credit score tiers: A (700-799) 8.5% to D (below 500) 17.0%. Tier A+ (800+) reduces A rate by 0.50% (not below 1.5%). Add 0.50% for vehicles over 100,000 miles. |
Used Vehicle (Not older than 2012)
Credit score tiers: A+=800+ (reduces A rate by 0.50%, not below 1.5%), A=700-799, B=600-699, C=500-599, D=Below 500. Model year not older than 2012. Add 1.5% to all categories to increase term to 49-72 months. Add 0.50% for vehicles with over 100,000 miles. Available to employees or family members of employees of Bradford Area School District.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.25%–15.50% | Model year not older than 2012. Credit score tiers: A (700-799) 6.25% to D (below 500) 15.5%. Tier A+ (800+) reduces A rate by 0.50% (not below 1.5%). Add 1.5% to all categories to increase term to 49-72 months. Add 0.50% for vehicles over 100,000 miles. |
Who can join BRADFORD AREA SCHOOL EMPLOYEES
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to employees of the Bradford and Otto-Eldred School Districts.
Membership information collected October 5, 2026.