Credit union · NCUA insured
Citadel Credit Union Auto Loan Rates
Top CarrotCitadel Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How Citadel Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Citadel Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Citadel Credit Union
5.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
New Auto Loan
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Citadel Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Citadel 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 Refinance
Offers subject to credit approval. Offer not valid for existing Citadel auto loans. Refinances standard auto loans from other financial institutions on cars, light trucks, minivans, and SUVs up to 10 years old. Minimum loan amount is $7,500 and maximum is $75,000. Up to 120% financing on vehicle value for model years 2012 and newer.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.74% | Model Years 2022-2026. Advertised as low as 5.74% APR. Flexible terms available. Subject to credit approval. Offer not valid for existing Citadel auto loans. |
| — | 6.49% | Model Years 2018-2021. Advertised as low as 6.49% APR. Flexible terms available. Subject to credit approval. Offer not valid for existing Citadel auto loans. |
| — | 10.49% | Model Years 2017 & Older. Advertised as low as 10.49% APR. Flexible terms available. Subject to credit approval. Offer not valid for existing Citadel auto loans. |
Sources (2)
All captured Oct 6, 2026
Motorcycle Loan
Offers subject to credit approval. Flexible terms available.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.49% | New Motorcycle Loan, Model Year 2026+. Advertised as low as 7.49% APR. Subject to credit approval. |
| — | 7.74% | Used Motorcycle Loan, Model Years 2022-2026. Advertised as low as 7.74% APR. Subject to credit approval. |
| — | 8.49% | Used Motorcycle Loan, Model Years 2018-2021. Advertised as low as 8.49% APR. Subject to credit approval. |
| — | 12.49% | Used Motorcycle Loan, Model Years 2017 & Older. Advertised as low as 12.49% APR. Subject to credit approval. |
New Auto Loan
Offers subject to credit approval. Flexible terms available. Maximum APR will not exceed 18%. $1 deposit to join Citadel Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Model Year 2026+. Advertised as low as 5.49% APR. Subject to credit approval. |
| — | 5.99% | Model Year 2026+. Advertised as low as 5.99% APR. Subject to credit approval. |
| — | 6.59% | Model Year 2026+. Advertised as low as 6.59% APR. Subject to credit approval. |
Used Auto Loan
Offers subject to credit approval. Flexible terms available. Maximum APR will not exceed 18%. $1 deposit to join Citadel Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.74% | Model Years 2022-2026. Advertised as low as 5.74% APR. Subject to credit approval. |
| — | 6.24% | Model Years 2022-2026. Advertised as low as 6.24% APR. Subject to credit approval. |
| — | 6.49% | Model Years 2018-2021. Advertised as low as 6.49% APR. Subject to credit approval. |
| — | 6.79% | Model Years 2022-2026. Advertised as low as 6.79% APR. Subject to credit approval. |
| — | 6.74% | Model Years 2018-2021. Advertised as low as 6.74% APR. Subject to credit approval. |
| — | 7.49% | Model Years 2018-2021. Advertised as low as 7.49% APR. Subject to credit approval. |
| — | 10.49% | Model Years 2017 & Older. Advertised as low as 10.49% APR. Subject to credit approval. |
Who can join Citadel Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.