Credit union · NCUA insured
FedFinancial Credit Union Auto Loan Rates
Top CarrotFedFinancial Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How FedFinancial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where FedFinancial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FedFinancial Credit Union
4.74%APR
- Terms
- up to 60 months
New & Used 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
FedFinancial Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FedFinancial 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 & Used Vehicles
FedFinancial can provide 100% financing for new and used cars, trucks, and motorcycles, as well as refinance vehicle loans from other institutions. Rates are subject to change and based on creditworthiness; other rates may apply.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 4.45% | — |
| up to 48 months | 4.65% | — |
| up to 60 months | 4.74% | — |
| up to 72 months | 5.74% | — |
Sources (1)
- fedfinancial.org/auto-loans · captured Oct 4, 2026
Who can join FedFinancial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Civilian Federal government employees, retirees, and contractors located in the Washington, DC and Baltimore, MD metropolitan areas are eligible to join.
Family and household
- Family members (spouses, parents, siblings, children, step-parents, step-children, step-siblings, grandparents, grandchildren), legal guardians, co-habitants, and roommates of current members are eligible to join regardless of location.
Membership information collected October 4, 2026.