Credit union · NCUA insured
Educational Systems Federal Credit Union Auto Loan Rates
Top CarrotEducational Systems Federal Credit Union auto loans start at 5.13% APR for a new vehicle and 5.48% for a used one. Rates checked October 22, 2026.
How Educational Systems Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Educational Systems Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Educational Systems Federal Credit Union
5.13%APR
- Terms
- up to 60 months
New Auto 2026
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Educational Systems Federal Credit Union auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.13%
- Used vehicleUsed5.48%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Educational Systems 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 2026
Applications are subject to credit approval. Actual rate is based on credit and vehicle mileage. Rates shown are Premium Loan Rates. If vehicle was purchased within the last six months and is the current year model, it is eligible for financing as a new vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Monthly payment per $1,000 is $29.64. |
| up to 48 months | 4.74% | Monthly payment per $1,000 is $22.92. |
| up to 60 months | 5.13% | Monthly payment per $1,000 is $18.59. |
| up to 72 months | 5.49% | Minimum balance $15,000. Monthly payment per $1,000 is $16.34. |
| up to 84 months | 5.99% | Minimum balance $25,000. Monthly payment per $1,000 is $14.61. |
Sources (2)
All captured Oct 15, 2026
New Motorcycle 2026
Applications are subject to credit approval. Actual rate is based on your credit and your vehicle mileage. Rates shown are Premium Loan Rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Monthly payment per $1,000 is $30.08. Sample payment does not include the Summer Skip Payment Option or payment protection. |
| up to 48 months | 5.74% | Monthly payment per $1,000 is $23.27. |
Sources (2)
All captured Oct 15, 2026
Used Auto 2015-2025
Applications are subject to credit approval. Actual rate is based on credit and vehicle mileage. Rates shown are Premium Loan Rates. Terms of 84 months are available for 2022-2025 model years only.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.59% | Monthly payment per $1,000 is $29.79. |
| up to 48 months | 5.09% | Monthly payment per $1,000 is $23.08. |
| up to 60 months | 5.48% | Monthly payment per $1,000 is $19.10. |
| up to 72 months | 5.84% | Minimum balance $15,000. Monthly payment per $1,000 is $16.50. |
| up to 84 months | 6.34% | 2022-2025 Model Years Only. Minimum balance $25,000. Monthly payment per $1,000 is $14.78. |
Sources (2)
All captured Oct 15, 2026
Used Motorcycle 2019-2025
Applications are subject to credit approval. Actual rate is based on your credit and your vehicle mileage. Rates shown are Premium Loan Rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.59% | Monthly payment per $1,000 is $44.59. |
Sources (1)
- esfcu.org/rates/loans-and-credit-card-rates · captured Oct 15, 2026
Who can join Educational Systems 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 or work in St. Mary's County, Maryland are eligible for membership.
Employers and groups
- Individuals affiliated with the Howard County Library System are eligible to join by becoming a member of the Support Education Foundation.
- Employees of Howard University Hospital are eligible for membership.
Military, government and schools
- Employees (including contractors), students, parents, and alumni of specified colleges and universities are eligible for membership.
- Employees (including those paid by a contractor), students, and parents of specified Maryland county public school systems are eligible for membership.
Family and household
- Immediate family members of individuals eligible for Educational Systems Federal Credit Union membership are eligible to join.
2 more ways to join
Family and household
- Immediate family members of existing Educational Systems Federal Credit Union members are eligible to join.
Other ways
- Individuals can join by becoming a member of the Support Education Foundation if they are a volunteer, employee, student, alumni, or retiree of any public or private school/system, college/university, or education-related organization.
Membership information collected October 4, 2026.