Bank · FDIC insured
F&M Trust Auto Loan Rates
F&M Trust auto loans start at 6.74% APR for a new vehicle and 6.74% for a used one. Rates checked October 16, 2026.
How F&M Trust’s auto loan rates compare
Compared with banks and credit unions near Chambersburg, PA, where F&M Trust has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
F&M Trust
6.74%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loans
Lowest rate
1st Ed Credit Union
5.15%APR
- Terms
- 37–60 months
- Up to
- —
2nd-lowest rate
Corning Credit Union
5.74%APR
- Terms
- —
- Up to
- 17.99% APR
F&M Trust auto loan score
62
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew6.74%
- Used vehicleUsed6.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where F&M Trust ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Rates are subject to change. Not all available terms and rates are listed for F&M Trust certificates of deposit and loans. Other rates and terms are available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.74% | — |
| up to 60 months | 6.74% | — |
| up to 72 months | 6.99% | — |
Sources (1)
- fmtrust.bank/financial-resources/rates · captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.