Credit union · NCUA insured
Erie FCU Auto Loan Rates
Erie FCU auto loans start at 5.49% APR for a new vehicle and 6.24% for a used one. Rates checked October 16, 2026.
How Erie FCU’s auto loan rates compare
Compared with banks and credit unions near Erie, PA, where Erie FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Erie FCU
5.49%APR
- Terms
- 49–60 months
Auto Loan
Lowest rate
Americo FCU
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Tri State Rail Federal Credit Union
4.49%APR
- Terms
- 49–60 months
Erie FCU auto loan score
69
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Erie FCU 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.
Auto Loan
Loans subject to credit approval. Rates, terms, and conditions vary based on creditworthiness, qualifications, and collateral conditions. Membership eligibility required. Insurance products sold through or in the credit union are not insured by NCUA.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.84% | AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval. |
| 25–36 months | 4.99% | AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval. |
| 37–48 months | 5.24% | AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval. |
| 49–60 months | 5.49% | AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval. |
| 61–72 months | 5.74% | AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval. |
| 73–84 months | 5.99% | AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval. |
| up to 24 months | 5.49% | AUTOMOBILE & MOTORCYCLE Used (2020 - 2023). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval. |
| 25–36 months | 5.74% | AUTOMOBILE & MOTORCYCLE Used (2020 - 2023). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval. |
| 37–48 months | 5.99% | AUTOMOBILE & MOTORCYCLE Used (2020 - 2023). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval. |
| 49–60 months | 6.24% | AUTOMOBILE & MOTORCYCLE Used (2020 - 2023). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval. |
| 61–72 months | 6.49% | AUTOMOBILE & MOTORCYCLE Used (2020 - 2023). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval. |
| 73–84 months | 6.75% | AUTOMOBILE & MOTORCYCLE Used (2020 - 2023). Disclosed APR with asterisk (*) represents lowest possible APR. Subject to credit approval. |
Auto Refinance Offer
Refinance an auto loan from another lender with Erie FCU and get up to 2% APR off qualifying interest rate. Lowest rate available after rate reduction is 4.99% APR. Existing Erie FCU auto loans are excluded. No other offers or promotions may be applied to rate reduction. Loans subject to credit approval and membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Floor rate of 4.99% APR after applying up to a 2% APR rate reduction to qualifying rate. Refinance from another lender only; existing Erie FCU auto loans excluded. |
Sources (3)
- eriefcu.org
- eriefcu.org/borrow/loans-credit/auto-center
- eriefcu.org/special-offers/auto-refi-2-good-2-pass-by
All captured Oct 7, 2026
Who can join Erie FCU
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 Erie or Crawford County, Pennsylvania are eligible for membership.
Family and household
- Individuals who are the child, grandchild, grandparent, parent, sibling, stepchild, stepparent, or stepsibling of an existing Erie Federal Credit Union member are eligible for membership.
Membership information collected October 5, 2026.