Credit union · NCUA insured
Cedar Point Federal Credit Union Auto Loan Rates
Top CarrotCedar Point Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How Cedar Point Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lexington Park, MD, where Cedar Point Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cedar Point Federal Credit Union
4.49%APR
- Terms
- up to 72 months
New Auto
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
3rd-lowest rate
Educational Systems Federal Credit Union
5.13%APR
- Terms
- up to 60 months
Cedar Point Federal Credit Union auto loan score
88
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cedar Point 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 Auto
Financing based on credit and retail value of the vehicle. Rates not available for vehicles already financed through Cedar Point.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.49% | Rates shown are premium loan rates based on credit and collateral/retail value. |
| up to 48 months | 4.49% | Rates shown are premium loan rates based on credit and collateral/retail value. |
| up to 60 months | 4.49% | Rates shown are premium loan rates based on credit and collateral/retail value. |
| up to 72 months | 4.49% | Rates shown are premium loan rates based on credit and collateral/retail value. |
| up to 84 months | 5.49% | Rates shown are premium loan rates based on credit and collateral/retail value. |
Sources (2)
All captured Oct 15, 2026
New Motorcycles
Will finance up to 100% of purchase price. We cannot finance negative equity. Rates shown are Premium Loan Rates based on credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Up to $10,000*. Will finance up to 100% of purchase price. We cannot finance negative equity. Premium loan rates based on credit. |
| up to 48 months | 6.49% | $10,001 to $15,000*. Will finance up to 100% of purchase price. We cannot finance negative equity. Premium loan rates based on credit. |
| up to 60 months | 6.49% | Minimum $15,001. Will finance up to 100% of purchase price. We cannot finance negative equity. Premium loan rates based on credit. |
| up to 72 months | 6.49% | Minimum $25,000. Will finance up to 100% of purchase price. We cannot finance negative equity. Premium loan rates based on credit. |
| up to 84 months | 7.49% | Minimum $30,000. Will finance up to 100% of purchase price. We cannot finance negative equity. Premium loan rates based on credit. |
Sources (1)
- cpfcu.com/files/cpfcu/1/file/R…les/Auto--Motorcycle.pdf · captured Oct 15, 2026
Pre-Owned Motorcycles
Based on NADA wholesale value. Rates shown are Premium Loan Rates based on credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.74% | $5,000 to $15,000* 1-7 years old. Based on NADA wholesale value. Premium loan rates based on credit. |
| up to 48 months | 6.74% | $5,000 to $15,000* 1-7 years old. Based on NADA wholesale value. Premium loan rates based on credit. |
| up to 60 months | 6.74% | Minimum $15,001 1-7 years old. Based on NADA wholesale value. Premium loan rates based on credit. |
| up to 72 months | 6.74% | Minimum $25,000* 1-7 years old. Based on NADA wholesale value. Premium loan rates based on credit. |
| up to 48 months | 9.49% | Minimum $5,000* 8-10 years old. Based on NADA wholesale value. Premium loan rates based on credit. |
Sources (1)
- cpfcu.com/files/cpfcu/1/file/R…les/Auto--Motorcycle.pdf · captured Oct 15, 2026
Pre-owned Auto
Financing based on credit and NADA retail value of the vehicle. Rates not available for vehicles already financed through Cedar Point.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Vehicle age 1-7 years old. Premium loan rates based on credit and NADA retail value. |
| up to 48 months | 4.74% | Vehicle age 1-7 years old. Premium loan rates based on credit and NADA retail value. |
| up to 60 months | 4.74% | Vehicle age 1-7 years old. Premium loan rates based on credit and NADA retail value. |
| up to 72 months | 4.74% | Vehicle age 1-7 years old. Premium loan rates based on credit and NADA retail value. |
| up to 84 months | 5.74% | Vehicle must be 10 model years or newer at the end of the 84 month term. Premium loan rates based on credit and NADA retail value. |
| up to 48 months | 7.49% | Vehicle age 8-10 years old. Premium loan rates based on credit and NADA retail value. |
Sources (2)
All captured Oct 15, 2026
Who can join Cedar Point Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.