Credit union · NCUA insured
Ellafi Federal Credit Union Auto Loan Rates
Ellafi Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Ellafi Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hartford, CT, where Ellafi Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ellafi Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Riverbank Federal Credit Union
3.74%APR
- Terms
- —
- Discount
- None included
Ellafi Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ellafi 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.
EV Auto Loan
Eligible for all-electric and plug-in hybrid electric vehicles. Rates include a 0.25% rate discount with Auto Pay from an Ellafi FCU checking account. Option to skip first payment for 60 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Platinum credit assumption and loan amount of $25,000; includes 0.25% rate discount with Auto Pay from an Ellafi FCU checking account. |
Sources (2)
All captured Oct 4, 2026
New Auto Loan
Rates include a 0.25% rate discount with Auto Pay from an Ellafi FCU checking account. Rate determined by creditworthiness, vehicle age, and term; subject to credit approval. 60-day payment deferral available to qualified borrowers.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | As low as APR for platinum credit and loan amount of $25,000; includes 0.25% Auto Pay discount with Ellafi FCU checking. |
| 61–72 months | 5.10% | Includes 0.25% Auto Pay discount with Ellafi FCU checking. |
| 73–84 months | 5.74% | Minimum loan amount of $25,000; includes 0.25% Auto Pay discount with Ellafi FCU checking. |
Used Auto Loan
Rates include a 0.25% rate discount with Auto Pay from an Ellafi FCU checking account. Rate determined by credit history, vehicle age, and term; subject to credit approval. 60-day payment deferral available to qualified borrowers.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | As low as APR for platinum credit and loan amount of $25,000; includes 0.25% Auto Pay discount with Ellafi FCU checking. |
| 61–72 months | 5.59% | Includes 0.25% Auto Pay discount with Ellafi FCU checking. |
| 73–84 months | 6.49% | Minimum loan amount of $25,000; includes 0.25% Auto Pay discount with Ellafi FCU checking. |
Who can join Ellafi 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
- Eligibility is open to individuals who live, work, worship, attend school, or volunteer in Branford, Cheshire, Chester, Clinton, Cromwell, Deep River, Durham, East Haddam, East Hampton, East Haven, Essex, Guilford, Haddam, Higganum, Killingworth, Madison, Meriden, Middlefield, Middletown, North Branford, North Haven, Old Saybrook, Portland, Wallingford, or Westbrook.
Family and household
- Eligibility is open to individuals who are related to a current Ellafi member.
Cost to join
- A minimum deposit of at least $5 is required to get started.
Membership information collected October 4, 2026.