Credit union · NCUA insured
FD Community Federal Credit Union Auto Loan Rates
Top CarrotFD Community 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 FD Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Waterbury, CT, where FD Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FD Community Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loan
Lowest rate
MSCU
4.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Sikorsky Credit Union
4.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
FD Community Federal Credit Union auto loan score
78
Auto loan score
Higher than 48% 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 FD Community 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.
Auto Loan
Vehicle loans are available for purchasing a new or used vehicle, refinancing an existing vehicle loan, or purchasing a currently leased vehicle. Existing FD Community FCU loans and rebranded titles are not eligible. Rates reflect a 0.25% discount for automatic payments from an FD Community FCU account. Rates may range from 4.490% to 13.500% depending on vehicle model year and credit history. 84 month rate available for Conventional Auto Loans only.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Model Year: New, Unregistered |
| up to 48 months | 4.63% | Model Year: New, Unregistered |
| up to 60 months | 4.75% | Model Year: New, Unregistered |
| up to 72 months | 5.00% | Model Year: New, Unregistered |
| up to 84 months | 6.00% | Model Year: New, Unregistered; Conventional Auto Loan Only |
| up to 36 months | 4.99% | Model Year: 2021-2026 |
| up to 48 months | 5.13% | Model Year: 2021-2026 |
| up to 60 months | 5.25% | Model Year: 2021-2026 |
| up to 72 months | 5.50% | Model Year: 2021-2026 |
| up to 36 months | 5.99% | Model Year: 2016-2020 |
| up to 48 months | 6.13% | Model Year: 2016-2020 |
| up to 60 months | 6.25% | Model Year: 2016-2020 |
| up to 72 months | 6.50% | Model Year: 2016-2020 |
Sources (2)
All captured Oct 15, 2026
Who can join FD Community Federal Credit Union
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