Eastern Panhandle Federal Credit Union Auto Loan Rates

How Eastern Panhandle Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Hagerstown, MD-WV, where Eastern Panhandle Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Eastern Panhandle Federal Credit Union
4.24%APR
Terms
up to 60 months
Up to
11.24% APR
New Vehicle and Motorcycle
Lowest rate
Bulldog Federal Credit Union
4.00%APR
Terms
49–84 months
Up to
—
Bulldog Federal Credit Union rates
3rd-lowest rate
Washington County Teachers Federal Credit Union
4.25%APR
Terms
up to 60 months
Up to
—
Washington County Teachers Federal Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 91% of U.S. banks and credit unions

By vehicle

New vehicleNew4.24%
Used vehicleUsed4.74%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Eastern Panhandle 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 Vehicle and Motorcycle

Rates, terms, and other limits are based upon the Beacon Score as reflected on the most recent credit report. For joint borrowers, the highest Beacon Score of the two borrowers will be used to set the interest rate. If a Cosignor is required to extend credit, the score of the borrower will be used to determine rate, limits, etc. Bankruptcy Reaffirmation Reward: Any member who formally reaffirms their credit union debt through the Bankruptcy Court will be granted an exception to the Beacon score guidelines by an upgrade of one credit score category, in regards to rate only, for a period of two years. 15,000 miles or less and one model year old can be included. GAP Insurance ($410) is required on any financing term greater than 60 months.

Terms	APR	Conditions
up to 84 months	5.24%–12.24%	Rates range across Beacon Score tiers: Tier A (700+) at 5.24% to Tier D (629 & Less) at 12.24%. Financing term greater than 60 months requires GAP Insurance ($410). Minimum loan amount greater than $25,000.
up to 72 months	4.74%–11.74%	Rates range across Beacon Score tiers: Tier A (700+) at 4.74% to Tier D (629 & Less) at 11.74%. Financing term greater than 60 months requires GAP Insurance ($410). Minimum loan amount greater than $15,000.
up to 60 months	4.24%–11.24%	Rates range across Beacon Score tiers: Tier A (700+) at 4.24% to Tier D (629 & Less) at 11.24%.
up to 48 months	3.99%–10.99%	Rates range across Beacon Score tiers: Tier A (700+) at 3.99% to Tier D (629 & Less) at 10.99%.
up to 36 months	3.74%–10.74%	Rates range across Beacon Score tiers: Tier A (700+) at 3.74% to Tier D (629 & Less) at 10.74%.
up to 24 months	3.49%–10.49%	Rates range across Beacon Score tiers: Tier A (700+) at 3.49% to Tier D (629 & Less) at 10.49%.
up to 12 months	3.24%–10.24%	Rates range across Beacon Score tiers: Tier A (700+) at 3.24% to Tier D (629 & Less) at 10.24%.

Sources (1)

easternpanhandlefcu.com/loan-rates.html · captured Oct 22, 2026

Used Vehicle, Motorcycle

Rates, terms, and other limits are based upon the Beacon Score as reflected on the most recent credit report. For joint borrowers, the highest Beacon Score of the two borrowers will be used to set the interest rate. If a Cosignor is required to extend credit, the score of the borrower will be used to determine rate, limits, etc. Bankruptcy Reaffirmation Reward: Any member who formally reaffirms their credit union debt through the Bankruptcy Court will be granted an exception to the Beacon score guidelines by an upgrade of one credit score category, in regards to rate only, for a period of two years. Vehicles that are 10 years old/100,000 miles add 0.75% to normal used car rate; vehicles 150,000 miles add 1.25% to normal used car rate. Any vehicle with 200,000 miles or more will not be considered. GAP Insurance ($410) is required on any financing term greater than 60 months.

Terms	APR	Conditions
up to 84 months	5.74%–12.74%	Rates range across Beacon Score tiers: Tier A (700+) at 5.74% to Tier D (629 & Less) at 12.74%. Financing term greater than 60 months requires GAP Insurance ($410). Minimum loan amount greater than $25,000.
up to 72 months	5.24%–12.24%	Rates range across Beacon Score tiers: Tier A (700+) at 5.24% to Tier D (629 & Less) at 12.24%. Financing term greater than 60 months requires GAP Insurance ($410). Minimum loan amount greater than $15,000.
up to 60 months	4.74%–11.74%	Rates range across Beacon Score tiers: Tier A (700+) at 4.74% to Tier D (629 & Less) at 11.74%.
up to 48 months	4.49%–11.49%	Rates range across Beacon Score tiers: Tier A (700+) at 4.49% to Tier D (629 & Less) at 11.49%.
up to 36 months	4.24%–11.24%	Rates range across Beacon Score tiers: Tier A (700+) at 4.24% to Tier D (629 & Less) at 11.24%.
up to 24 months	3.99%–10.99%	Rates range across Beacon Score tiers: Tier A (700+) at 3.99% to Tier D (629 & Less) at 10.99%.
up to 12 months	3.74%–10.74%	Rates range across Beacon Score tiers: Tier A (700+) at 3.74% to Tier D (629 & Less) at 10.74%.

Sources (1)

easternpanhandlefcu.com/loan-rates.html · captured Oct 22, 2026

Who can join Eastern Panhandle 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

Individuals who live, work, worship, or attend school in Berkeley, Jefferson, and Morgan Counties of West Virginia are eligible for membership.

Other ways

Businesses and legal entities are eligible for membership.

Cost to join

A deposit of $5.00 (one share) in a Membership Share Savings Account is required and must be maintained at all times.
A one-time membership fee of $1 is required to join.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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