Credit union · NCUA insured
Derry Area Federal Credit Union Auto Loan Rates
Derry Area Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Derry Area Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Derry Area Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Derry Area Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
Derry Area Federal Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Derry Area 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
Actual rates are determined by the borrower's credit history and the year of the vehicle. All interest rates are based on a 1.00% rate reduction for the purchase of Credit Disability and Credit Life Insurance and payment by Direct Deposit, ACH (Electronic Payment), Payroll Deduction or an auto withdrawal by the credit union.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00% | Up to 60 Months term. Rate includes 1.00% rate reduction for Credit Disability and Credit Life Insurance purchase and qualifying electronic/payroll payment method. |
| up to 72 months | 6.00% | 72 Months term. Rate includes 1.00% rate reduction for Credit Disability and Credit Life Insurance purchase and qualifying electronic/payroll payment method. |
Sources (1)
- dafcu.com/ps-lrates.html · captured Oct 7, 2026
Used Auto
Actual rates are determined by the borrower's credit history and the year of the vehicle. All interest rates are based on a 1.00% rate reduction for the purchase of Credit Disability and Credit Life Insurance and payment by Direct Deposit, ACH (Electronic Payment), Payroll Deduction or an auto withdrawal by the credit union.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.50% | Vehicle age less than 4 years old. Rate includes 1.00% rate reduction for Credit Disability and Credit Life Insurance purchase and qualifying electronic/payroll payment method. |
| — | 6.50% | Vehicle age more than 4 years old. Rate includes 1.00% rate reduction for Credit Disability and Credit Life Insurance purchase and qualifying electronic/payroll payment method. |
Sources (1)
- dafcu.com/ps-lrates.html · captured Oct 7, 2026
Who can join Derry Area Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or go to school in, as well as businesses and other legal entities in Derry Borough or Derry Township are eligible for membership.
Employers and groups
- Employees of Ceratizit, USA who work in Latrobe are eligible for membership.
- Employees of Clark Metal Products Company who work in Blairsville are eligible for membership.
- Employees of Derry Area Federal Credit Union, their immediate families and households, and organizations of such persons are eligible for membership.
- Employees of Dlubak Organic Coatings & Designs, LTD who work in Blairsville are eligible for membership.
- Employees of Premium Molding Inc. who work in Latrobe are eligible for membership.
2 more ways to join
Employers and groups
- Employees of Specialty Bar Products Company who work in Blairsville are eligible for membership.
Family and household
- Immediate family members (including parents, grandparents, siblings, children, grandchildren, step-parents, step-children, step-siblings, and adoptive relationships) and household members living in the same residence maintaining a single economic unit of eligible persons are eligible for membership.
Cost to join
- A minimum share balance of $5.00 is required for membership.
Membership information collected October 5, 2026.