Credit union · NCUA insured
Franklin Trust Federal Credit Union Auto Loan Rates
Top CarrotFranklin Trust Federal Credit Union auto loans start at 4.85% APR for a new vehicle and 5.85% for a used one. Rates checked October 15, 2026.
How Franklin Trust Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hartford, CT, where Franklin Trust Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Franklin Trust Federal Credit Union
4.85%APR
- Terms
- 36–60 months
- Discount
- None included
New Cars & Trucks
Lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Riverbank Federal Credit Union
3.74%APR
- Terms
- —
- Discount
- None included
Franklin Trust Federal Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew4.85%
- Used vehicleUsed5.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Franklin Trust 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.
New Cars & Trucks
Vehicle model years 2022 to 2026. All approved auto loans are subject to vehicle valuation based on assessed book value. Obtaining, VSI-Vendor Single Insurance, is a requirement when getting an auto loan through the credit union. Rates shown are lowest rates available and may vary depending on loan type, term, applicant credit history and credit union relationship.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 4.85% | — |
| up to 72 months | 5.35% | Terms of 6 years on vehicle loans of $30,000 or more. |
| up to 84 months | 5.60% | Terms of 7 years on vehicle loans of $30,000 or more and "A" or higher credit rating. |
Used Cars & Trucks
Vehicle model years 2017 to 2021. Older vehicles will be at the personal loan rate with title pledged. All approved auto loans are subject to vehicle valuation based on assessed book value. Obtaining, VSI-Vendor Single Insurance, is a requirement when getting an auto loan through the credit union. Rates shown are lowest rates available and may vary depending on loan type, term, applicant credit history and credit union relationship.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.35% | — |
| up to 48 months | 5.60% | — |
| up to 60 months | 5.85% | — |
Who can join Franklin Trust Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone living, working, worshiping, or attending school in Hartford County, Connecticut.
Cost to join
- Membership requires starting with $25 in savings.
Membership information collected October 4, 2026.