Credit union · NCUA insured
Discovery Federal Credit Union Auto Loan Rates
Top CarrotDiscovery Federal Credit Union auto loans start at 4.84% APR for a new vehicle and 4.84% for a used one. Rates checked October 16, 2026.
How Discovery Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Reading, PA, where Discovery Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Discovery Federal Credit Union
4.84%APR
- Terms
- 49–60 months
Auto Loans
2nd-lowest rate
Utilities Employees Credit Union
4.99%APR
- Terms
- 37–60 months
3rd-lowest rate
Sun Federal Credit Union
5.24%APR
- Terms
- 1–75 months
Discovery Federal Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.84%
- Used vehicleUsed4.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Discovery 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.
Auto Loans
Rates apply to model year 2017 and newer for new and used auto loans and refinances (other rates apply for older models). APRs are based on loan-to-value, creditworthiness, term of loan, amount of loan, direct deposit to a Discovery FCU account, and electronic payments from a Discovery FCU account. Refinancing of existing Discovery FCU debt is not eligible for advertised APRs. Optional first 90 days with no payments (interest continues to accrue). Title secured loan processing fee of $25.00 can be paid up front or added to the loan balance.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.84% | For model year 2017 and newer. Monthly payment is $29.90 per $1,000 borrowed (sample auto loan payment on $10,000 at 36-month term is $298.99). |
| 37–48 months | 4.84% | For model year 2017 and newer. Sample monthly payment is $22.96 per $1,000 borrowed. |
| 49–60 months | 4.84% | For model year 2017 and newer. Sample monthly payment is $18.80 per $1,000 borrowed. |
| 61–72 months | 5.39% | For model year 2017 and newer. Sample monthly payment is $16.29 per $1,000 borrowed. |
| 73–84 months | 5.64% | For model year 2017 and newer. Sample monthly payment is $14.44 per $1,000 borrowed. |
Who can join Discovery Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- People across the U.S. are eligible for membership through a complimentary membership to association partner Community Impact Fund (CIF).
Employers and groups
- Individuals who are members from Select Employer Groups are eligible for membership.
Family and household
- Individuals who have an immediate family or household member who is already a member are eligible to join.
Membership information collected October 5, 2026.