Credit union · NCUA insured
FRB Federal Credit Union Auto Loan Rates
Top CarrotFRB Federal Credit Union auto loans start at 4.29% APR for a new vehicle and 5.29% for a used one. Rates checked October 22, 2026.
How FRB Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where FRB Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FRB Federal Credit Union
4.29%APR
- Terms
- 49–60 months
New Auto Loans
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
FRB Federal Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.29%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FRB 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 Auto Loans
Rates are based on evaluation of credit history. Subject to credit approval. Rates are subject to change. No down payment required. Maximum loan-to-value of 110% without GAP, 125% with GAP added. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Approximate term up to 36 months. |
| 37–48 months | 4.29% | Approximate term 37-48 months. |
| 49–60 months | 4.29% | Approximate term 49-60 months. |
| 61–72 months | 4.79% | Approximate term 61-72 months. |
| — | 3.99% | Special offer: No payments for 90 days. Billing starts 90 days from loan closing date. Interest continues to accrue during the 90-day period. Must meet LTV requirement. Offer valid 10/1/26 – 10/31/26. Not available for existing FRBFCU Auto Loans. |
Sources (3)
All captured Oct 15, 2026
New Motorcycle
Rates are subject to change, and not all applicants will qualify for the lowest rate. Your final APR is determined after review of application and credit profile. No down payment required. Maximum loan-to-value of 110% without GAP, 125% with GAP added.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.00% | Approximate term up to 36 months. |
| 37–48 months | 8.50% | Approximate term 37-48 months. |
| 49–60 months | 8.50% | Approximate term 49-60 months. |
Sources (1)
- frbfcu.org/loan-rates · captured Oct 15, 2026
Refinanced Auto Loans
Special promotional refinance offer. Rates based on credit evaluation and subject to credit approval. Membership eligibility required. Not available for existing FRBFCU Auto Loans.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Special offer: No payments for 90 days. Billing starts 90 days from loan closing date. Interest continues to accrue during the 90-day period. Must meet LTV requirement. Offer valid 10/1/26 – 10/31/26. Not available for existing FRBFCU Auto Loans. |
No ongoing APR is published for this loan, only the rate above.
Sources (1)
- frbfcu.org/2026-auto-loan-special · captured Oct 15, 2026
Used Auto Loans
Rates are based on evaluation of credit history. Subject to credit approval. Rates are subject to change. No down payment required. Maximum loan-to-value of 110% without GAP, 125% with GAP added. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Approximate term up to 36 months. |
| 37–48 months | 5.29% | Approximate term 37-48 months. |
| 49–60 months | 5.29% | Approximate term 49-60 months. |
| 61–72 months | 6.29% | Approximate term 61-72 months. |
| — | 3.99% | Special offer: No payments for 90 days. Billing starts 90 days from loan closing date. Interest continues to accrue during the 90-day period. Must meet LTV requirement. Offer valid 10/1/26 – 10/31/26. Not available for existing FRBFCU Auto Loans. |
Sources (4)
- frbfcu.org/2026-auto-loan-special
- frbfcu.org/used-auto-loans
- frbfcu.org/auto-loans
- frbfcu.org/loan-rates
All captured Oct 15, 2026
Used Motorcycle
Rates are subject to change, and not all applicants will qualify for the lowest rate. Your final APR is determined after review of application and credit profile. No down payment required. Maximum loan-to-value of 110% without GAP, 125% with GAP added.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.50% | Approximate term up to 36 months. |
| 37–48 months | 11.00% | Approximate term 37-48 months. |
| 49–60 months | 11.00% | Approximate term 49-60 months. |
Sources (1)
- frbfcu.org/loan-rates · captured Oct 15, 2026
Who can join FRB Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of contractors for the Federal Reserve System.
- Membership is open to employees of the credit union.
Military, government and schools
- Membership is open to current and retired members, officers, and employees of the Federal Reserve Board.
- Membership is open to current and retired employees of Federal Reserve Banks.
- Membership is open to officers and employees of the Bureau of Consumer Financial Protection.
Family and household
- Membership is open to immediate family members (spouses, parents, children, siblings, grandparents, grandchildren, adoptive children, stepchildren, domestic partners) or permanent household members of eligible members who qualify directly and were not sponsored themselves.
1 more way to join
Other ways
- Membership is open to organizations of eligible members.
Membership information collected October 4, 2026.