Credit union · NCUA insured
Bulldog Federal Credit Union Auto Loan Rates
Top CarrotBulldog Federal Credit Union auto loans start at 4.00% APR for a new vehicle and 4.00% for a used one. Rates checked October 22, 2026.
How Bulldog Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where Bulldog Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bulldog Federal Credit Union
4.00%APR
- Terms
- 49–84 months
- Up to
- —
Secured (Car/Truck/SUV) Vehicle Loans
2nd-lowest rate
Eastern Panhandle Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- 11.24% APR
3rd-lowest rate
Washington County Teachers Federal Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- —
Bulldog Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew4.00%
- Used vehicleUsed4.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bulldog 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.
Secured (Car/Truck/SUV) Vehicle Loans
New or used vehicles have the same rates up to 10 model years and 100,000 miles. Over 10 years, add 2%; over 100,000 miles, add 2% (max 115,000 miles). 'As low as' rates available to members with excellent credit; rate may be higher depending on credit history. $0 down payment required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.00% | Variable rate. 'As low as' rate for members with excellent credit. $0 down payment required. Minimum APR for variable rate secured financing is 3.25% APR (except for promotions); maximum APR is 18%. Vehicles over 100,000 miles add 2% (max 115,000 miles); vehicles over 10 years add 2%. |
| 49–84 months | 4.00% | Variable rate. 'As low as' rate for members with excellent credit. $0 down payment required. 84-month term requires vehicle loans of $25,000 or more. Minimum APR for variable rate secured financing is 3.25% APR (except for promotions); maximum APR is 18%. Vehicles over 100,000 miles add 2% (max 115,000 miles); vehicles over 10 years add 2%. |
| up to 24 months | 5.50% | Fixed rate. 'As low as' rate for members with excellent credit. $0 down payment required. Vehicles over 100,000 miles add 2% (max 115,000 miles); vehicles over 10 years add 2%. |
| 25–36 months | 5.75% | Fixed rate. 'As low as' rate for members with excellent credit. $0 down payment required. Vehicles over 100,000 miles add 2% (max 115,000 miles); vehicles over 10 years add 2%. |
| 37–48 months | 6.00% | Fixed rate. 'As low as' rate for members with excellent credit. $0 down payment required. Vehicles over 100,000 miles add 2% (max 115,000 miles); vehicles over 10 years add 2%. |
| 49–60 months | 6.25% | Fixed rate. 'As low as' rate for members with excellent credit. $0 down payment required. Vehicles over 100,000 miles add 2% (max 115,000 miles); vehicles over 10 years add 2%. |
| 61–84 months | 6.50% | Fixed rate. 'As low as' rate for members with excellent credit. $0 down payment required. 84-month term requires vehicle loans of $25,000 or more. Vehicles over 100,000 miles add 2% (max 115,000 miles); vehicles over 10 years add 2%. |
Sources (3)
All captured Oct 4, 2026
Who can join Bulldog Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Washington County, Maryland are eligible to join.
Employers and groups
- Employees of the credit union are eligible to join.
Family and household
- Individuals who have an immediate family member living in Washington County, Maryland are eligible to join, even if that family member is not a credit union member.
- Individuals who share a household with an existing Bulldog Federal Credit Union member are eligible to join, regardless of whether they live in Washington County.
Other ways
- Representatives of a business or other legal entity located in Washington County, Maryland are eligible to join.
- Community volunteers in Washington County, Maryland are eligible to join.
Cost to join
- Membership requires opening a Savings account with a minimum initial and ongoing balance of $25.
Membership information collected October 4, 2026.