Credit union · NCUA insured
Congressional Federal Credit Union Auto Loan Rates
Top CarrotCongressional Federal Credit Union auto loans start at 5.39% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Congressional Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Congressional Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Congressional Federal Credit Union
5.39%APR
- Terms
- 49–60 months
New Car
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Congressional Federal Credit Union auto loan score
74
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Congressional 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.
Congressional Federal Car Buying Service powered by TrueCar New Car
Must purchase automobile using the Congressional Federal Car Buying Service powered by TrueCar and obtain a TrueCar Certificate to be presented at the time of the loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Minimum of $1,000 loan. Monthly payment per $1,000 borrowed is $30.00. |
| 37–48 months | 4.84% | Minimum of $1,000 loan. Monthly payment per $1,000 borrowed is $30.00 - $24.00. |
| 49–60 months | 5.39% | Minimum of $7,000 loan. Monthly payment per $1,000 borrowed is $23.00 - $20.00. |
Sources (2)
All captured Oct 4, 2026
Congressional Federal Car Buying Service powered by TrueCar Used Car
Must purchase automobile using the Congressional Federal Car Buying Service powered by TrueCar and obtain a TrueCar Certificate to be presented at the time of the loan. Used car values based on NADA Clean Retail Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Minimum of $1,000 loan. Monthly payment per $1,000 borrowed is $30.00. |
| 37–48 months | 5.04% | Minimum of $1,000 loan. Monthly payment per $1,000 borrowed is $30.00 - $24.00. |
| 49–60 months | 5.49% | Minimum of $7,000 loan. Monthly payment per $1,000 borrowed is $23.00 - $20.00. |
Sources (2)
All captured Oct 4, 2026
New Car
Rates based on evaluation of credit history. Maximum loan amount $100,000. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Minimum of $1,000 loan. Monthly payment per $1,000 borrowed is $30.00. |
| 37–48 months | 4.84% | Minimum of $1,000 loan. Monthly payment per $1,000 borrowed is $30.00 - $24.00. |
| 49–60 months | 5.39% | Minimum of $7,000 loan. Monthly payment per $1,000 borrowed is $23.00 - $20.00. |
| 61–72 months | 6.04% | Minimum of $15,000 loan. Monthly payment per $1,000 borrowed is $19.00 - $17.00. |
| 73–84 months | 6.49% | Minimum of $30,000 loan. Monthly payment per $1,000 borrowed is $17.00 - $15.00. |
Sources (2)
All captured Oct 4, 2026
New Motorcycle
Up to 90% of Retail Value. Monthly payments per $1000 borrowed apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | Up to 90% of Retail Value. Monthly payment per $1000 borrowed is $30.00. |
| 37–60 months | 5.25% | Up to 90% of Retail Value. Monthly payment per $1000 borrowed is $30.00 - $19.00. |
Sources (1)
- congressionalfcu.org/loans/loan-rates · captured Oct 4, 2026
Used Car
Rates based on evaluation of credit history. Maximum loan amount $100,000. Used car values based on NADA Clean Retail Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Minimum of $1,000 loan. Monthly payment per $1,000 borrowed is $30.00. |
| 37–48 months | 5.04% | Minimum of $1,000 loan. Monthly payment per $1,000 borrowed is $30.00 -$24.00. |
| 49–60 months | 5.49% | Minimum of $7,000 loan. Monthly payment per $1,000 borrowed is $23.00 - $20.00. |
| 61–72 months | 6.29% | Minimum of $15,000 loan. Monthly payment per $1,000 borrowed is $19.00 - $17.00. |
| 73–84 months | 6.69% | Minimum of $30,000 loan. Monthly payment per $1,000 borrowed is $17.00 - $15.00. |
Sources (2)
All captured Oct 4, 2026
Used Motorcycle
Up to 90% Average NADA Retail Value. Monthly payments per $1000 borrowed apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | Up to 90% Average NADA Retail Value. Monthly payment per $1000 borrowed is $30.00. |
| 37–60 months | 5.25% | Up to 90% Average NADA Retail Value. Monthly payment per $1000 borrowed is $30.00 - $19.00. |
Sources (1)
- congressionalfcu.org/loans/loan-rates · captured Oct 4, 2026
Who can join Congressional Federal Credit Union
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