Credit union · NCUA insured
Central Keystone FCU Auto Loan Rates
Top CarrotCentral Keystone FCU auto loans start at 4.89% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Central Keystone FCU’s auto loan rates compare
Compared with banks and credit unions near Sunbury, PA, where Central Keystone FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Central Keystone FCU
4.89%APR
- Terms
- 49–60 months
New Autos
Lowest rate
MC Federal Credit Union
4.60%APR
- Terms
- —
3rd-lowest rate
First Keystone Community Bank
5.00%APR
- Terms
- 12–60 months
Central Keystone FCU auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.89%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central Keystone FCU 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 Autos
Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Possible extended term of up to 6 months---add .50 basis points. Not to exceed 72 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Tier 1: credit score 710+ |
| up to 48 months | 5.19% | Tier 2: credit score 680-709 |
| up to 48 months | 6.39% | Tier 3: credit score 660-679 |
| up to 48 months | 7.49% | Tier 4: credit score 620-659 |
| 49–60 months | 4.89% | Tier 1: credit score 710+ |
| 49–60 months | 5.49% | Tier 2: credit score 680-709 |
| 49–60 months | 6.79% | Tier 3: credit score 660-679 |
| 49–60 months | 7.89% | Tier 4: credit score 620-659 |
| 61–72 months | 5.29% | Tier 1: credit score 710+ |
| 61–72 months | 6.29% | Tier 2: credit score 680-709 |
| 61–72 months | 7.29% | Tier 3: credit score 660-679 |
| 61–72 months | 8.79% | Tier 4: credit score 620-659 |
Sources (1)
- ckfcu.org/rates.php · captured Oct 7, 2026
Used Autos
Minimum credit score for applicant is 620. Add 1.0 basis points if lower score approved. Maximum mileage for used vehicles is 90,000. Add .50 basis if higher mileage approved. Possible extended term of up to 6 months---add .50 basis points. Not to exceed 72 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Model years 2025-23; credit score 710+ |
| up to 60 months | 5.79% | Model years 2025-23; credit score 680-709 |
| up to 60 months | 6.89% | Model years 2025-23; credit score 660-679 |
| up to 60 months | 7.99% | Model years 2025-23; credit score 620-659 |
| 61–72 months | 5.69% | Model years 2025-23; credit score 710+ |
| 61–72 months | 6.49% | Model years 2025-23; credit score 680-709 |
| 61–72 months | 7.49% | Model years 2025-23; credit score 660-679 |
| 61–72 months | 8.89% | Model years 2025-23; credit score 620-659 |
| up to 66 months | 6.09% | Model years 2022-21; credit score 710+ |
| up to 66 months | 6.99% | Model years 2022-21; credit score 680-709 |
| up to 66 months | 7.99% | Model years 2022-21; credit score 660-679 |
| up to 66 months | 9.29% | Model years 2022-21; credit score 620-659 |
| up to 54 months | 6.49% | Model years 2020-19; credit score 710+ |
| up to 54 months | 7.19% | Model years 2020-19; credit score 680-709 |
| up to 54 months | 8.49% | Model years 2020-19; credit score 660-679 |
| up to 54 months | 9.49% | Model years 2020-19; credit score 620-659 |
| up to 48 months | 6.99% | Model years 2018-17; credit score 710+ |
| up to 48 months | 7.49% | Model years 2018-17; credit score 680-709 |
| up to 48 months | 8.79% | Model years 2018-17; credit score 660-679 |
| up to 48 months | 9.99% | Model years 2018-17; credit score 620-659 |
| up to 36 months | 7.49% | Model years 16 or older; credit score 710+ |
| up to 36 months | 7.99% | Model years 16 or older; credit score 680-709 |
| up to 36 months | 9.39% | Model years 16 or older; credit score 660-679 |
| up to 36 months | 10.49% | Model years 16 or older; credit score 620-659 |
Sources (1)
- ckfcu.org/rates.php · captured Oct 7, 2026
Who can join Central Keystone FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of select employer groups listed by the credit union are eligible for membership.
- Members of qualifying affiliated organizations, churches, clubs, and associations are eligible for membership.
Military, government and schools
- Employees of government and public service entities listed by the credit union are eligible for membership.
Family and household
- Immediate family members of individuals employed by eligible companies are eligible for membership.
Other ways
- Membership remains valid under the "Once a Member, Always a Member" status.
Membership information collected October 5, 2026.