Credit union · NCUA insured
Freedom United FCU Auto Loan Rates
Freedom United FCU auto loans start at 5.49% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Freedom United FCU’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Freedom United FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Freedom United FCU
5.49%APR
- Terms
- —
- Discount
- None included
Cars and Cash Loan Promotion
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
Freedom United FCU auto loan score
69
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Freedom United FCU 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
Rates are based on vehicle model year and term. Rates include a 0.25% discount for automatic transfer from a Freedom United Checking. Final rate determined by member's credit score. Promotion effective as of page date 2025-02-10.
| Terms | APR | Conditions |
|---|---|---|
| 1–39 months | 5.24% | For model years 2022–2025. Rate tier applies to months 1–39. |
| 40–51 months | 5.49% | For model years 2022–2025. Rate tier applies to months 40–51. |
| 52–63 months | 5.99% | For model years 2022–2025. Rate tier applies to months 52–63. |
| 64–75 months | 6.74% | For model years 2022–2025. Rate tier applies to months 64–75. |
| 76–84 months | 7.74% | For model years 2022–2025. Rate tier applies to months 76–84. |
| 1–39 months | 5.74% | For model years 2019–2021. Rate tier applies to months 1–39. |
| 40–51 months | 5.99% | For model years 2019–2021. Rate tier applies to months 40–51. |
| 52–63 months | 6.49% | For model years 2019–2021. Rate tier applies to months 52–63. |
| 64–75 months | 7.24% | For model years 2019–2021. Rate tier applies to months 64–75. |
| 1–39 months | 6.49% | For model years 2016–2018. Rate tier applies to months 1–39. |
| 40–51 months | 6.74% | For model years 2016–2018. Rate tier applies to months 40–51. |
| 52–63 months | 7.24% | For model years 2016–2018. Rate tier applies to months 52–63. |
| 1–39 months | 8.49% | For model years 2015 and older. Rate tier applies to months 1–39. |
Sources (1)
- freedomunitedfcu.org/loans · captured Oct 7, 2026
Cars and Cash Loan Promotion
Based on credit approval on select new vehicle loans.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Based on credit approval on select new vehicle loans. |
Sources (1)
- freedomunitedfcu.org/cars-and-cash-loan-promotion · captured Oct 7, 2026
Who can join Freedom United FCU
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 individuals who live, work, worship, or attend school in Freedom, Rochester, New Sewickley, Monaca, or New Brighton, PA.
Employers and groups
- Membership is open to employees and members of qualifying sponsor groups and organizations.
Family and household
- Membership is open to individuals related to any existing credit union members.
Membership information collected October 5, 2026.