Credit union · NCUA insured
EP Federal Credit Union Auto Loan Rates
EP Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How EP Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where EP Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
EP Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto, Truck & Motorcycle Loan
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
EP Federal Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew4.75%
- 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 EP 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, Truck & Motorcycle Loan
Applications subject to credit approval; actual rate based on credit. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. Up to 100% financing available. 0.25% SmartWay loan discount available for EPA-classified SmartWay vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Includes 0.25% discount for automatic payments and 0.25% for payment protection. |
| up to 48 months | 4.50% | Includes 0.25% discount for automatic payments and 0.25% for payment protection. |
| up to 60 months | 4.75% | Includes 0.25% discount for automatic payments and 0.25% for payment protection. |
| up to 72 months | 5.00% | Includes 0.25% discount for automatic payments and 0.25% for payment protection. |
| up to 84 months | 5.75% | Includes 0.25% discount for automatic payments and 0.25% for payment protection. |
Sources (3)
- epfcu.org/loans/lending-rates
- epfcu.org/loans/smartway-vehicle-loan-discount
- epfcu.org/loans/vehicle-loans
All captured Oct 3, 2026
Used Auto, Truck & Motorcycle Loan
Applications subject to credit approval; actual rate based on credit. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. Up to 100% financing available. 0.25% SmartWay loan discount available for EPA-classified SmartWay vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | Includes 0.25% discount for automatic payments and 0.25% for payment protection. |
| up to 48 months | 5.00% | Includes 0.25% discount for automatic payments and 0.25% for payment protection. |
| up to 60 months | 5.25% | Includes 0.25% discount for automatic payments and 0.25% for payment protection. |
| up to 72 months | 5.50% | Includes 0.25% discount for automatic payments and 0.25% for payment protection. |
| up to 84 months | 6.25% | Includes 0.25% discount for automatic payments and 0.25% for payment protection. |
Sources (3)
- epfcu.org/loans/lending-rates
- epfcu.org/loans/smartway-vehicle-loan-discount
- epfcu.org/loans/vehicle-loans
All captured Oct 3, 2026
Who can join EP Federal Credit Union
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