Credit union · NCUA insured
CityMark FCU Auto Loan Rates
Top CarrotCityMark FCU auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 16, 2026.
How CityMark FCU’s auto loan rates compare
Compared with banks and credit unions near Scranton, PA, where CityMark FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CityMark FCU
3.99%APR
- Terms
- up to 96 months
New Car
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
CityMark FCU auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CityMark 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.
Golden Oldies
For golden oldies, classics, and muscle cars. Finance up to 125% of NADA value. Longer terms may be available based on the value and price of the vehicle. Rate based on creditworthiness, score, LTV, and term of loan. Rate assumes direct deposit re-payment; add 0.25% without direct deposit or auto transfer from a CityMark FCU account. Additional 0.50% discount when financing more than one car.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | As low as rate based on credit score. Up to 125% NADA value. Longer terms may be available based on value and price. Assumes direct deposit re-payment (add 0.25% without direct deposit or auto transfer). |
Motorcycles (Registered)
Rates are stated as low as best rate available for 36 Months. Rate will be determined and will increase based on term, score, and LTV. All loan rates assume direct deposit re-payment; loans without direct deposit or auto transfer from a Citymark FCU account add 0.25% onto your rate. Optional GAP, life, and disability insurance; full comp and collision auto insurance required with max deductible $500. Special double discount for two new loans to the same member.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 4.24% | As low as rate based on credit score. Up to 100% of NADA value. Rate stated as low as best rate available for 36 Months. Assumes direct deposit re-payment (add 0.25% without direct deposit or auto transfer). |
| up to 84 months | 4.24% | As low as rate based on credit score. Up to 100% of NADA value. Rate stated as low as best rate available for 36 Months. Assumes direct deposit re-payment (add 0.25% without direct deposit or auto transfer). |
Sources (1)
- citymark.org/rates-1 · captured Oct 16, 2026
New Car
Current or prior year vehicles with less than 25,000 miles. Finance up to 125% of the MSRP including tax, tags, warranties, and GAP Insurance. Rate based on creditworthiness, score, LTV, and term of loan. Rate stated as low as best rate available for 36 Months. Rate assumes direct deposit re-payment; add 0.25% without direct deposit or auto transfer from a CityMark FCU account. Additional 0.50% discount when financing more than one car.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 3.99% | As low as rate based on credit score, best rate available for 36 Months. Rates increase based on term, score, and LTV. Up to 125% of MSRP including tax, tags, warranties, and GAP Insurance. Assumes direct deposit re-payment (add 0.25% without direct deposit or auto transfer). |
Used Car
Finances vehicles up to 10 years old (others may be considered). Finance up to 125% of the NADA value. Rate based on creditworthiness, score, LTV, and term of loan. Terms depend on the age of the vehicle and the amount borrowed. Rate assumes direct deposit re-payment; add 0.25% without direct deposit or auto transfer from a CityMark FCU account. Additional 0.50% discount when financing more than one car.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 3.99% | As low as rate based on credit score. Terms depend on the age of the vehicle and the amount borrowed. Up to 125% of NADA value. Assumes direct deposit re-payment (add 0.25% without direct deposit or auto transfer). |
Who can join CityMark FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, is a member of an organization, goes to school, or regularly conducts business in Luzerne, Lackawanna, and Wyoming counties is eligible for membership.
Family and household
- Anyone in the immediate family (spouse, parent, child, sibling, grandparent, grandchild, including adoptive and step-relationships) of an eligible member may join, even if the eligible member does not join.
- People living in the same residence or maintaining a single economic unit with an eligible member may join only if the eligible member actually belongs to the credit union.
Membership information collected October 5, 2026.