Bank · FDIC insured
Citizens Savings Bank Auto Loan Rates
Citizens Savings Bank auto loans start at 6.75% APR for a new vehicle and 7.00% for a used one. Rates checked October 16, 2026.
How Citizens Savings Bank’s auto loan rates compare
Compared with banks and credit unions near Scranton, PA, where Citizens Savings Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Citizens Savings Bank
6.75%APR
- Terms
- up to 84 months
Auto Loans
Lowest rate
UFCW Community Federal Credit Union
3.70%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Citizens Savings Bank auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew6.75%
- Used vehicleUsed7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Citizens Savings Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Fixed auto loan rates on new or used vehicles (cars and trucks) or refinancing. 20% minimum down payment required. Loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.25% | New vehicles; term up to 36 months. |
| up to 48 months | 6.38% | New vehicles; term up to 48 months. |
| up to 60 months | 6.50% | New vehicles; term up to 60 months. |
| up to 84 months | 6.75% | New vehicles; term up to 84 months. |
| up to 36 months | 6.50% | Used vehicles Yr 23-25; term up to 36 months. |
| up to 48 months | 6.75% | Used vehicles Yr 23-25; term up to 48 months. |
| up to 60 months | 7.00% | Used vehicles Yr 23-25; term up to 60 months. |
| up to 84 months | 7.50% | Used vehicles Yr 23-25; term up to 84 months. |
| up to 36 months | 7.00% | Used vehicles Yr 20-22; term up to 36 months. |
| up to 84 months | 8.00% | Used vehicles Yr 20-22; term up to 84 months. |
| up to 36 months | 8.00% | Non-Purchase Yr 20-26; term up to 36 months. |
Sources (3)
- citizens-savings.com/borrow/personal-loans
- citizens-savings.com/borrow/pe…al-loans/auto-loans.html
- citizens-savings.com/connect/rates.html
All captured Oct 7, 2026
Opening an account
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