Credit union · NCUA insured
FedChoice Federal Credit Union Auto Loan Rates
FedChoice Federal Credit Union auto loans start at 4.50% APR for a new vehicle. Rates checked October 22, 2026.
How FedChoice Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where FedChoice Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FedChoice Federal Credit Union
4.50%APR
- Terms
- up to 60 months
New Vehicles
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
FedChoice Federal Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FedChoice 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.
Late Model Used/Refinanced
Late Model is considered older than 10 model years. Financing up to 100% of NADA Clean Retail including tax, title and warranty products. Maximum term 36 months for vehicles over 10 years old. Rate is fixed based on credit score and loan term. Application within the first 90 days of membership for an Auto Loan may receive up to a 1% discount, subject to floor rate policy.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.00% | APR as low as based on credit evaluation. Minimum loan amount $3,000. Maximum term up to 36 months for vehicles over ten years old. |
Sources (1)
- fedchoice.org/all-vehicle-loans · captured Oct 4, 2026
New Vehicles
Financing up to 125% of MSRP or NADA Clean Retail including tax, title and warranty products. New = never titled and less than 12,000 miles. Application within the first 90 days of membership for an Auto Loan may receive up to a 1% discount, subject to floor rate policy. Rate is fixed based on credit evaluation and loan term. Motorcycle loans limited to 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50% | APR as low as based on credit evaluation. Minimum loan amount $5,000. Maximum term up to 60 months (over $5,000). |
| 61–72 months | 4.75% | APR as low as based on credit evaluation. Minimum loan amount $15,000. Max 72 months if over $15,000 and vehicle is current to 5 years old. New motorcycle loans limited to 60 months. |
| 73–84 months | 5.75% | APR as low as based on credit evaluation. Minimum loan amount $15,000. |
Sources (1)
- fedchoice.org/all-vehicle-loans · captured Oct 4, 2026
Used/Refinanced Vehicles
Financing up to 125% of MSRP or NADA Clean Retail including tax, title and warranty products. Used = previously titled. Application within the first 90 days of membership for an Auto Loan may receive up to a 1% discount, subject to floor rate policy. Rate is fixed based on credit evaluation and loan term. Used motorcycle loans limited to 60 months. Maximum term depends on age of vehicle (up to 72 months if over $15,000 for current to 5 years old; max 48 months for 6-7 years old; max 36 months for 8-10 years old).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00% | APR as low as based on credit evaluation. Minimum loan amount $5,000. Maximum term up to 60 months (over $5,000 for current to 5 years old, subject to vehicle age limits). |
| 61–72 months | 5.25% | APR as low as based on credit evaluation. Minimum loan amount $15,000. Max 72 months if over $15,000 and vehicle is current to 5 years old. Used motorcycle loans limited to 60 months. |
Sources (1)
- fedchoice.org/all-vehicle-loans · captured Oct 4, 2026
Who can join FedChoice Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Federal employees or contractors who work for, are paid by, or are supervised by someone in the Washington, D.C. metro area and work for specified qualifying agencies or associations are eligible for membership.
- FedChoice Federal Credit Union employees, board members, or volunteers are eligible for membership.
Family and household
- Immediate family members (spouse, child [step/adopted], sibling [step/adopted], parent, grandparent, grandchild) of eligible federal employees or contractors are eligible for membership.
- Immediate family members of or individuals permanently residing with a FedChoice Federal Credit Union employee, board member, or volunteer are eligible for membership.
Other ways
- Members of the FedChoice Charitable Foundation are eligible for membership. FedChoice will make a contribution covering membership, or the applicant may make at least a $5 contribution to cover one-time membership dues.
Cost to join
- FedChoice Charitable Foundation membership dues are covered by a contribution made by FedChoice, or applicants may optionally contribute at least $5 via fedchoicegives.org.
Membership information collected October 4, 2026.