Credit union · NCUA insured
Five Star Federal Credit Union Auto Loan Rates
Five Star Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Five Star Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where Five Star Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Five Star Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Car Loan
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
Five Star Federal Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Five Star 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.
Motorcycle & ATV Loan
Rates quoted are the lowest available ('as low as'). Actual rate depends on applicant credit history. Rate includes 0.25% APR automatic payment discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.99% | Rate reflects 'as low as' and includes 0.25% APR automatic payment discount. |
| 49–72 months | 7.99% | Rate reflects 'as low as' and includes 0.25% APR automatic payment discount. |
Sources (2)
All captured Oct 4, 2026
New Car Loan
100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance. Available in 36, 48, 60, 72, and 73-84 month terms (for some vehicles). Requires credit union membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49% | Rate reflects 'as low as' and includes 0.25% APR automatic payment discount. |
| 61–72 months | 4.74% | Rate reflects 'as low as' and includes 0.25% APR automatic payment discount. |
| 73–84 months | 5.49% | Rate reflects 'as low as' and includes 0.25% APR automatic payment discount. |
Sources (3)
All captured Oct 4, 2026
Used Car Loan
Amount financed will be the lesser of the purchase price or NADA retail value, plus taxes, tags, warranties and credit insurance. Model years 2016-2026. Available in 48, 60, 72, and 73-84 month terms (for some vehicles). Requires credit union membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Rate reflects 'as low as' and includes 0.25% APR automatic payment discount. Model years 2016-2026. |
| 61–72 months | 5.24% | Rate reflects 'as low as' and includes 0.25% APR automatic payment discount. Model years 2016-2026. |
| 73–84 months | 5.99% | Rate reflects 'as low as' and includes 0.25% APR automatic payment discount. Model years 2016-2026. |
Sources (2)
All captured Oct 4, 2026
Who can join Five Star Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.