Credit union · NCUA insured
Freedom Federal Credit Union Auto Loan Rates
Top CarrotFreedom Federal Credit Union auto loans start at 6.19% APR for a new vehicle and 6.59% for a used one. Rates checked October 22, 2026.
How Freedom Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where Freedom Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Freedom Federal Credit Union
6.19%APR
- Terms
- up to 63 months
- Discount
- None included
New Auto 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
Freedom Federal Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.19%
- Used vehicleUsed6.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Freedom 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.
Auto Refinance
Take up to 2.00% APR off current auto loan rate. Refinancing available only on auto loans from another financial institution (not available on existing loans with Freedom FCU). Existing auto loan must be open for at least 6 months. New loan term may not exceed remaining term of existing loan with a maximum of 66 months. First payment may be deferred for 90 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 3.74% | Take up to 2.00% APR off current auto loan rate, with a minimum APR of 3.74%. Minimum APR of 3.74% includes a 0.25% discount for members who establish eStatements and automated loan payments from a Freedom FCU savings or checking account (without qualifications, minimum APR is 3.99%). Maximum term 66 months. |
Sources (3)
All captured Oct 22, 2026
New Auto Loan
Includes 0.25% discount for members who establish e-Statements and automated loan payments from a Freedom FCU savings or checking account. Rates available on approved credit. Terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.94% | Rate reflects automated payments APR as low as. Includes 0.25% discount with e-Statements and automated payments from Freedom FCU savings or checking account. Estimated monthly payment of $23.47 per $1,000. |
| up to 63 months | 6.19% | Rate reflects automated payments APR as low as. Includes 0.25% discount with e-Statements and automated payments from Freedom FCU savings or checking account. Estimated monthly payment of $18.64 per $1,000. |
| up to 75 months | 6.69% | Rate reflects automated payments APR as low as. Includes 0.25% discount with e-Statements and automated payments from Freedom FCU savings or checking account. Estimated monthly payment of $16.36 per $1,000. |
| up to 84 months | 7.49% | Minimum loan amount $20,000. Rate reflects automated payments APR as low as. Includes 0.25% discount with e-Statements and automated payments from Freedom FCU savings or checking account. Estimated monthly payment of $15.34 per $1,000. |
Sources (1)
- freedomfcu.org/rates · captured Oct 22, 2026
Used Auto Loan
Includes 0.25% discount for members who establish e-Statements and automated loan payments from a Freedom FCU savings or checking account. Rates available on approved credit. Terms up to 84 months. Used auto loans with a term of 76 to 84 months must be for $20,000 or more to qualify for the rate listed.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.34% | Rate reflects automated payments APR as low as. Includes 0.25% discount with e-Statements and automated payments from Freedom FCU savings or checking account. Estimated monthly payment of $23.65 per $1,000. |
| up to 63 months | 6.59% | Rate reflects automated payments APR as low as. Includes 0.25% discount with e-Statements and automated payments from Freedom FCU savings or checking account. Estimated monthly payment of $18.83 per $1,000. |
| up to 75 months | 7.09% | Rate reflects automated payments APR as low as. Includes 0.25% discount with e-Statements and automated payments from Freedom FCU savings or checking account. Estimated monthly payment of $16.55 per $1,000. |
| up to 84 months | 7.89% | Minimum loan amount $20,000 for terms 76 to 84 months. Rate reflects automated payments APR as low as. Includes 0.25% discount with e-Statements and automated payments from Freedom FCU savings or checking account. Estimated monthly payment of $15.54 per $1,000. |
Sources (1)
- freedomfcu.org/rates · captured Oct 22, 2026
Who can join Freedom 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
- Individuals who live, work, worship, volunteer, or attend school in Baltimore City, Baltimore County, Carroll County, and Harford County are eligible for membership.
Employers and groups
- Businesses located in Baltimore City, Baltimore County, Carroll County, or Harford County are eligible for membership.
Family and household
- Families of individuals who live, work, worship, volunteer, or attend school in Baltimore City, Baltimore County, Carroll County, and Harford County are eligible for membership.
Cost to join
- Establish a business membership with a $1.00 deposit into a Business Savings Account.
Membership information collected October 4, 2026.