Credit union · NCUA insured
Choice One Community Credit Union Auto Loan Rates
Top CarrotChoice One Community Credit Union auto loans start at 4.39% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Choice One Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Scranton, PA, where Choice One Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Choice One Community Credit Union
4.39%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
New Car Loan
Lowest rate
UFCW Community Federal Credit Union
3.70%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Choice One Community Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.39%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Choice One Community 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 Car Loan
Membership eligibility required (open to those who live, work, worship, attend school, or have a business in Luzerne, Lackawanna, or Wyoming Counties). Rates are based on creditworthiness and term of loan. Up to 110% financing available. Optional 90-day no payment period available (finance charges accrue during 90 days). No early payoff penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.39% | Rates as low as 4.39% APR with terms up to 84 months. Rate includes a 0.25% discount for Auto Pay / auto deduct from a Choice One share or share draft account. Up to 110% financing on vehicles. |
Used Car Loan
Membership eligibility required (open to those who live, work, worship, attend school, or have a business in Luzerne, Lackawanna, or Wyoming Counties). Rates are based on creditworthiness and term of loan. Optional 90-day no payment period available (finance charges accrue). No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49% | Rates as low as 4.49% APR with terms up to 84 months. Rate includes a 0.25% discount with Auto Pay from a Choice One share or share draft account. |
| up to 48 months | 8.49% | Applies to older vehicles 2017 or older. Term is 48 months. Rate includes a 0.25% discount with Auto Pay from a Choice One share or share draft account. |
Who can join Choice One Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, attend school, or have a business entity in Luzerne, Lackawanna, or Wyoming Counties.
Family and household
- Immediate family members of current members are eligible to join regardless of whether they meet geographic criteria.
Cost to join
- A one-time membership fee of $5 is required to join.
- A minimum share savings deposit and balance of $5 is required for membership.
Membership information collected October 5, 2026.