Credit union · NCUA insured
Freedom Credit Union Auto Loan Rates
Top CarrotFreedom Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Freedom Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Freedom Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Freedom Credit Union
4.49%APR
- Terms
- 67–75 months
- Up to
- —
- Discount
- None included
Auto Loans
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Freedom Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Freedom 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.
Auto Loan Refinancing
Refinance loans from another lender; existing Freedom Loans are not eligible for refinancing. Credit Union membership eligibility requirements apply. Must meet employment and/or income requirements. Rate received based on credit history, loan term, and age of the vehicle. Satisfactory vehicle insurance required. APR will not be less than 3.99% or greater than 17.90%. Loan term cannot be less than 6 months or greater than 84 months.
| Terms | APR | Conditions |
|---|---|---|
| 1–66 months | 3.99% | APR as low as 3.99%. Same low rate for new or used vehicles. |
| 67–75 months | 4.49% | APR as low as 4.49%. Same low rate for new or used vehicles. |
| 76–84 months | 5.24% | APR as low as 5.24%. Same low rate for new or used vehicles. |
Sources (1)
- freedomcu.org/loans-credit/aut…oans/autodraft-refinance · captured Oct 7, 2026
Auto Loans
Credit Union membership eligibility requirements apply. Must meet employment and/or income requirements. Rate received based on credit history, loan term, and age of the vehicle. Satisfactory vehicle insurance required. Only passenger vehicles eligible, no recreational vehicles. Existing Freedom Loans are not eligible for refinancing. APR will not be less than 3.99% or greater than 17.90%. Same low rate for new or used vehicles.
| Terms | APR | Conditions |
|---|---|---|
| 1–66 months | 3.99% | For 2024-2026 Model Years. Rates as low as 3.99% APR. Same low rate for new or used vehicles. |
| 67–75 months | 4.49% | For 2024-2026 Model Years. Rates as low as 4.49% APR. Same low rate for new or used vehicles. |
| 76–84 months | 5.24% | For 2024-2026 Model Years. Rates as low as 5.24% APR. Same low rate for new or used vehicles. |
| 1–66 months | 4.49% | For 2021-2023 Model Years. APR will not be less than 4.49% or greater than 17.90%. Same low rate for new or used vehicles. |
| 67–75 months | 4.99% | For 2021-2023 Model Years. APR will not be less than 4.49% or greater than 17.90%. Same low rate for new or used vehicles. |
| 76–84 months | 5.74% | For 2021-2023 Model Years. APR will not be less than 4.49% or greater than 17.90%. Same low rate for new or used vehicles. |
| 1–66 months | 7.49% | For 2019-2020 Model Years. APR will not be less than 7.49% or greater than 17.90%. Same low rate for new or used vehicles. |
| 67–75 months | 7.99% | For 2019-2020 Model Years. APR will not be less than 7.49% or greater than 17.90%. Same low rate for new or used vehicles. |
| 1–66 months | 9.49% | For 2018 & Older Model Years. APR will not be less than 9.49% or greater than 17.90%. Same low rate for new or used vehicles. |
Sources (3)
- freedomcu.org/loans-credit/auto-loans
- freedomcu.org/rates
- freedomcu.org/loans-credit/aut…oans/autodraft-refinance
All captured Oct 7, 2026
Who can join Freedom 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 who lives, works, worships, attends school, or volunteers in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties.
Family and household
- Membership is open to individuals who are related to an existing Freedom Credit Union member.
Cost to join
- All memberships require opening and maintaining a Freedom Savings account with a minimum balance of $5.00.
Membership information collected October 5, 2026.