Credit union · NCUA insured
Educational & Governmental Employees Federal Credit Union Auto Loan Rates
Top CarrotEducational & Governmental Employees Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Educational & Governmental Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Educational & Governmental Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Educational & Governmental Employees Federal Credit Union
4.24%APR
- Terms
- up to 84 months
- Discount
- None included
New Vehicle Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Educational & Governmental Employees Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Educational & Governmental Employees 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 Loans
Borrow up to 120% LTV. Maximum borrowing amount up to $50,000 determined by actual vehicle value and approval. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | As low as rate is based on a 36 month term, A-credit, and payment via direct deposit. Terms up to 84 months. Borrow up to 120% LTV. |
| up to 84 months | 4.24% | Promotional rate extended through August 15, 2026 (applications must be received between July 1, 2026, and August 15, 2026). Includes 0.25% reduction for Auto Pay from E&G checking account. Rate assumes A credit. |
Sources (4)
- egefcu.com/loans-and-credit-cards
- egefcu.com/loans-and-credit-cards/auto-loans
- egefcu.com/rates
- egefcu.com/rates-post/new-vehicle-loans
All captured Oct 5, 2026
Used Vehicle Loans
Borrow up to 100% LTV. Maximum borrowing amount up to $50,000 determined by actual vehicle value and approval. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | As low as rate is based on a 36 month term, A-credit, and payment via direct deposit. Terms up to 72 months. Borrow up to 100% LTV. |
| up to 72 months | 5.24% | Promotional rate extended through August 15, 2026 (applications must be received between July 1, 2026, and August 15, 2026). Existing EGEFCU auto loans are not eligible for refinancing under this promotion. Includes 0.25% reduction for Auto Pay from E&G checking account. Rate assumes A credit. |
Sources (4)
- egefcu.com/loans-and-credit-cards
- egefcu.com/loans-and-credit-cards/auto-loans
- egefcu.com/rates
- egefcu.com/rates-post/used-vehicle-loans
All captured Oct 5, 2026
Who can join Educational & Governmental Employees Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.