Credit union · NCUA insured
Earning Tree FCU (FKA UFCW Local 72 FCU) Auto Loan Rates
Earning Tree FCU (FKA UFCW Local 72 FCU) auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 23, 2026.
How Earning Tree FCU (FKA UFCW Local 72 FCU)’s auto loan rates compare
Compared with banks and credit unions near Scranton, PA, where Earning Tree FCU (FKA UFCW Local 72 FCU) has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Earning Tree FCU (FKA UFCW Local 72 FCU)
5.25%APR
- Terms
- up to 60 months
Vehicle Loans
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
Earning Tree FCU (FKA UFCW Local 72 FCU) auto loan score
77
Auto loan score
Higher than 45% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Earning Tree FCU (FKA UFCW Local 72 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.
Vehicle Loans
Rates valid on vehicle loans at Earning Tree FCU. Mileage restrictions apply and may add points to rates. Credit score affects maximum loan-to-value percentage. Vehicle book value minimums and warranty requirements apply for older vehicles. Last updated: 9/30/26. All loan rates listed are APRs. Applicants must have regular shares on deposit equal to 10% of the loan or $200.00, whichever is less, before the loan may be disbursed. Boats, mobile homes, or motorcycles are not acceptable as vehicle loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | 2027, 2026 (with mileage under 20,000). Maximum loan varies by credit score (95% to 100%). |
| up to 36 months | 4.75% | 2027, 2026 (with mileage under 20,000). Maximum loan varies by credit score (95% to 100%). |
| up to 48 months | 5.00% | 2027, 2026 (with mileage under 20,000). Maximum loan varies by credit score (95% to 100%). |
| up to 60 months | 5.25% | 2027, 2026 (with mileage under 20,000). Maximum loan varies by credit score (95% to 100%). |
| up to 72 months | 5.50% | 2027, 2026 (with mileage under 20,000). Maximum loan varies by credit score (95% to 100%). |
| up to 78 months | 5.75% | 2027, 2026 (with mileage under 20,000). Maximum loan varies by credit score (95% to 100%). |
| up to 84 months | 6.25% | 2027, 2026 (with mileage under 20,000). Maximum loan varies by credit score (95% to 100%). Loans $35,000+. |
| up to 24 months | 4.75% | 2026 (mileage above 20,000), 2025, 2024. Vehicles with mileage over 60,000 will have 2 points added. Maximum loan varies by credit score (95% to 100% of NADA retail value). |
| up to 36 months | 5.00% | 2026 (mileage above 20,000), 2025, 2024. Vehicles with mileage over 60,000 will have 2 points added. Maximum loan varies by credit score (95% to 100% of NADA retail value). |
| up to 48 months | 5.25% | 2026 (mileage above 20,000), 2025, 2024. Vehicles with mileage over 60,000 will have 2 points added. Maximum loan varies by credit score (95% to 100% of NADA retail value). |
| up to 60 months | 5.50% | 2026 (mileage above 20,000), 2025, 2024. Vehicles with mileage over 60,000 will have 2 points added. Maximum loan varies by credit score (95% to 100% of NADA retail value). |
| up to 72 months | 5.75% | 2026 (mileage above 20,000), 2025, 2024. Vehicles with mileage over 60,000 will have 2 points added. Maximum loan varies by credit score (95% to 100% of NADA retail value). |
| up to 24 months | 5.25% | 2023, 2022, 2021. Maximum loan of 90% NADA retail value. Mileage of 75,000-100,000 adds 1 point; mileage 100,001-125,000 adds 2 points; mileage over 125,000 not accepted. |
| up to 36 months | 5.50% | 2023, 2022, 2021. Maximum loan of 90% NADA retail value. Mileage of 75,000-100,000 adds 1 point; mileage 100,001-125,000 adds 2 points; mileage over 125,000 not accepted. |
| up to 48 months | 5.75% | 2023, 2022, 2021. Maximum loan of 90% NADA retail value. Mileage of 75,000-100,000 adds 1 point; mileage 100,001-125,000 adds 2 points; mileage over 125,000 not accepted. |
| up to 60 months | 6.25% | 2023 only. Maximum loan of 90% NADA retail value. Mileage of 75,000-100,000 adds 1 point; mileage 100,001-125,000 adds 2 points; mileage over 125,000 not accepted. |
| up to 24 months | 5.75% | 2020, 2019, 2018. Vehicle must have book value of at least $7,000 to qualify. Maximum loan of 85% NADA retail value. Mileage of 100,001-125,000 adds 1 point; mileage over 125,000 not accepted. |
| up to 36 months | 6.50% | 2020, 2019, 2018. Vehicle must have book value of at least $7,000 to qualify. Maximum loan of 85% NADA retail value. Mileage of 100,001-125,000 adds 1 point; mileage over 125,000 not accepted. |
| up to 48 months | 7.50% | 2020 only. Vehicle must have book value of at least $7,000 to qualify. Maximum loan of 85% NADA retail value. Mileage of 100,001-125,000 adds 1 point; mileage over 125,000 not accepted. |
| up to 24 months | 6.99% | 2017, 2016. Vehicle must have book value of at least $6,000 and 30 day warranty or guarantee to qualify. Mileage must not exceed 125,000. Maximum loan of 85% NADA retail value. |
| up to 36 months | 7.99% | 2017, 2016. Vehicle must have book value of at least $6,000 and 30 day warranty or guarantee to qualify. Mileage must not exceed 125,000. Maximum loan of 85% NADA retail value. |
Sources (1)
- etreefcu.com/rates/loans · captured Oct 23, 2026
Who can join Earning Tree FCU (FKA UFCW Local 72 FCU)
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of Citterio Corp., USA are eligible to join.
- Employees or members of Clearbrook, Inc. are eligible to join.
- Employees or members of Coleman BC Natural Chicken are eligible to join.
- Employees or members of C.W. Schultz & Son, Inc. are eligible to join.
- Employees or members of FMC of Wilkes-Barre are eligible to join.
- Employees or members of Golden Business Machines, Inc. are eligible to join.
22 more ways to join
Employers and groups
- Employees or members of Hershey Foods, Hazleton are eligible to join.
- Employees or members of Hospice Community Care are eligible to join.
- Employees or members of Jack Williams Tire Co., Inc. are eligible to join.
- Employees or members of Jim Thorpe Market, Inc. are eligible to join.
- Employees or members of Lakeside Nursing Center are eligible to join.
- Employees or members of Little Flower Manor are eligible to join.
- Employees or members of Newtown Slocomb Manufacturing are eligible to join.
- Employees or members of Penn Traffic Co. are eligible to join.
- Employees or members of Popple Construction are eligible to join.
- Employees or members of PPL Utilities (Northeast Region, Susquehanna, White Haven, Wilkes-Barre) are eligible to join.
- Employees or members of Redi-Care Med. Centers are eligible to join.
- Employees or members of Riverstreet Manor are eligible to join.
- Employees or members of Talen Energy are eligible to join.
- Employees or members of T-P Corp. are eligible to join.
- Members of U.F.C.W. Local 1776 are eligible to join.
- Employees or members of Valley Chevrolet are eligible to join.
- Employees or members of Village Super Market, Inc. are eligible to join.
- Employees or members of Wesley Village (United Methodist Homes) are eligible to join.
- Employees or members of Wilkes-Barre Motors, Inc. are eligible to join.
Military, government and schools
- Employees or members of Luzerne Intermediate Unit are eligible to join.
- Employees or members of Plains Township DPW are eligible to join.
Family and household
- Family members in the same household are also eligible to join.
Membership information collected October 5, 2026.