Credit union · NCUA insured
Hancock School Employees FCU Auto Loan Rates
Hancock School Employees FCU auto loans start at 5.00% APR for a new vehicle and 6.25% for a used one. Rates checked October 22, 2026.
How Hancock School Employees FCU’s auto loan rates compare
Compared with banks and credit unions near Weirton, WV-OH, where Hancock School Employees FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hancock School Employees FCU
5.00%APR
- Terms
- 49–60 months
- Up to
- 13.00% APR
New Autos
Lowest rate
YTR Community FCU
4.50%APR
- Terms
- up to 84 months
- Up to
- 13.75% APR
2nd-lowest rate
Strip Steel Community Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- —
Hancock School Employees FCU auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hancock School Employees 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.
New Autos
Rates are based on your Experian Credit Score at time of application.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50%–10.00% | Rates based on Experian Credit Score (A+ 760+ at 4.50% to E 534-450 at 10.00%) |
| 37–48 months | 4.75%–11.00% | Rates based on Experian Credit Score (A+ 760+ at 4.75% to E 534-450 at 11.00%) |
| 49–60 months | 5.00%–13.00% | Rates based on Experian Credit Score (A+ 760+ at 5.00% to E 534-450 at 13.00%) |
| up to 72 months | 5.50%–11.00% | Over $20000; Rates based on Experian Credit Score (A+ 760+ at 5.50% to D 599-535 at 11.00%) |
| up to 84 months | 6.00%–8.00% | Over $30000; Rates based on Experian Credit Score (A+ 760+ at 6.00% to C 649-600 at 8.00%) |
Sources (1)
- hsefcu.com/rates · captured Oct 4, 2026
Used Autos: 2015 And Older
2015 and older models; Rates are based on your Experian Credit Score at time of application.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.25%–13.50% | 2015 and older models; Rates based on Experian Credit Score (A+ 760+ at 6.25% to E 534-450 at 13.50%) |
| 37–48 months | 6.75%–14.00% | 2015 and older models; Rates based on Experian Credit Score (A+ 760+ at 6.75% to E 534-450 at 14.00%) |
Sources (1)
- hsefcu.com/rates · captured Oct 4, 2026
Used Autos: 2016 And Newer
2016 and newer models; Rates are based on your Experian Credit Score at time of application.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50%–13.25% | 2016 and newer models; Rates based on Experian Credit Score (A+ 760+ at 5.50% to E 534-450 at 13.25%) |
| 37–48 months | 5.75%–13.50% | 2016 and newer models; Rates based on Experian Credit Score (A+ 760+ at 5.75% to E 534-450 at 13.50%) |
| 49–60 months | 6.25%–10.00% | 2016 and newer models; Rates based on Experian Credit Score (A+ 760+ at 6.25% to D 599-535 at 10.00%) |
| up to 72 months | 6.75%–8.50% | 2016 and newer models; Over $20000; Rates based on Experian Credit Score (A+ 760+ at 6.75% to C 649-600 at 8.50%) |
| up to 84 months | 7.00%–9.00% | 2016 and newer models; Over $30000; Rates based on Experian Credit Score (A+ 760+ at 7.00% to C 649-600 at 9.00%) |
Sources (1)
- hsefcu.com/rates · captured Oct 4, 2026
Who can join Hancock School Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees or affiliated individuals of eligible Brooke County Schools are eligible to join.
- Employees or affiliated individuals of eligible Hancock County Schools and listed area schools are eligible to join.
Membership information collected October 4, 2026.