Credit union · NCUA insured
Chessie Federal Credit Union Auto Loan Rates
Chessie Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Chessie Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cumberland, MD-WV, where Chessie Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Chessie Federal Credit Union
4.24%APR
- Terms
- 49–60 months
Auto Loans
Lowest rate
WEPCO Federal Credit Union
3.24%APR
- Terms
- 49–60 months
3rd-lowest rate
First Peoples Community Federal Credit Union
4.25%APR
- Terms
- 49–60 months
Chessie Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.24%
- 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 Chessie 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.
Auto Loans
Rates are determined by vehicle year, term of loan, and credit score. Terms available up to 84 months for new and used vehicles. Refinancing and pre-approval available. Optional GAP coverage available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | New/Used Auto (2024-NEWER) Auto 0-48 months (up to 110%). Rate as low as stated based on year of vehicle, term, and credit score. |
| 49–60 months | 4.24% | New/Used Auto (2024-NEWER) 49-60 months (up to 110%). Rate as low as stated based on year of vehicle, term, and credit score. |
| 61–72 months | 4.99% | New/Used Auto (2024-NEWER) 61-72 months (up to 110%). Rate as low as stated based on year of vehicle, term, and credit score. |
| 73–84 months | 5.24% | New/Used Auto (2024-NEWER) 73-84 months (up to 110% $25K or more). Rate as low as stated based on year of vehicle, term, and credit score. |
| up to 48 months | 4.99% | Used Auto (20-23) (up to 110%). Rate as low as stated based on year of vehicle, term, and credit score. |
| up to 60 months | 5.24% | Used Auto (20-23) (up to 110%). Rate as low as stated based on year of vehicle, term, and credit score. |
| up to 72 months | 5.99% | Used Auto (20-23) (up to 110%). Rate as low as stated based on year of vehicle, term, and credit score. |
| up to 84 months | 6.24% | Used Auto (22-23) (up to 110%). Rate as low as stated based on year of vehicle, term, and credit score. |
| up to 48 months | 6.49% | Used Auto (16-19)(up to 100%). Rate as low as stated based on year of vehicle, term, and credit score. |
| up to 60 months | 6.99% | Used Auto (16-19) (up to 100%). Rate as low as stated based on year of vehicle, term, and credit score. |
| up to 48 months | 8.24% | Used Auto (2015 and older) (up to 100%). Rate as low as stated based on year of vehicle, term, and credit score. |
Sources (3)
- chessiefcu.org/auto-loans-with-chessie-fcu
- chessiefcu.org/loans/personal-loans/auto-loans
- chessiefcu.org/rates/consumer-loan-rates
All captured Oct 15, 2026
Who can join Chessie 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, as well as businesses and legal entities located in Allegany County (MD), Garrett County (MD), the western portion of Washington County (MD), Mineral County (WV), or Taylor County (WV) are eligible for membership.
Employers and groups
- Employees and members of listed Select Employer Groups are eligible for membership.
Family and household
- All family members of current members are eligible to join.
Cost to join
- An account can be opened online with a $10 deposit.
Membership information collected October 4, 2026.