Credit union · NCUA insured
D.C. Teachers' Federal Credit Union Auto Loan Rates
D.C. Teachers' Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How D.C. Teachers' Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where D.C. Teachers' Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
D.C. Teachers' Federal Credit Union
5.49%APR
- Terms
- 49–60 months
- Up to
- 16.50% APR
New Auto Loan
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
D.C. Teachers' Federal Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where D.C. Teachers' 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.
New Auto Loan
Membership eligibility required (maintain share balance of at least $100, member in good standing). Subject to credit approval. Rates and terms are based on credit history, LTV, payment type, loan amount, and loan purpose. Financing of Tax and Tags is subject to approval. Direct Deposit and/or Payroll Deduction required for C and D Borrowers.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.69%–16.50% | 0% down payment |
| 25–36 months | 4.69%–16.50% | 0% down payment |
| 37–48 months | 5.00%–16.75% | 0% down payment |
| 49–60 months | 5.59%–17.00% | 0% down payment |
| 61–72 months | 6.09%–15.50% | 0% down payment |
| 73–84 months | 6.69%–6.89% | 0% down payment |
| up to 24 months | 4.59%–16.00% | 10% down payment |
| 25–36 months | 4.59%–16.00% | 10% down payment |
| 37–48 months | 4.99%–16.25% | 10% down payment |
| 49–60 months | 5.49%–16.50% | 10% down payment |
| 61–72 months | 5.99%–15.00% | 10% down payment |
| 73–84 months | 6.59%–6.79% | 10% down payment |
Sources (3)
All captured Oct 3, 2026
Used Vehicle Loan
Membership eligibility required (maintain share balance of at least $100, member in good standing). Subject to credit approval. Rates and terms are based on credit history, LTV, payment type, loan amount, and loan purpose. Financing of Tax and Tags is subject to approval. Direct Deposit and/or Payroll Deduction required for C and D Borrowers.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 5.00%–13.00% | 10% down payment |
| 37–48 months | 5.00%–13.25% | 10% down payment |
| 49–60 months | 5.00%–13.50% | 10% down payment |
| 61–72 months | 6.00%–13.75% | 10% down payment |
| 73–84 months | 6.50%–7.75% | 10% down payment |
| 24–36 months | 5.50%–15.50% | 0% down payment |
| 37–48 months | 5.50%–15.75% | 0% down payment |
| 49–60 months | 5.50%–16.00% | 0% down payment |
| 61–72 months | 6.50%–7.75% | 0% down payment |
| 73–84 months | 7.00%–8.25% | 0% down payment |
Sources (3)
All captured Oct 3, 2026
Who can join D.C. Teachers' Federal Credit Union
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