Credit union · NCUA insured
Hartford Federal Credit Union Auto Loan Rates
Hartford Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Hartford Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hartford, CT, where Hartford Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hartford Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans - NEW
Lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Riverbank Federal Credit Union
3.74%APR
- Terms
- —
- Discount
- None included
Hartford Federal Credit Union auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hartford 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 Loans - CLASSIC
Classic auto loan rates are for model years 2019 and older. This tier also includes vehicles with over 125,000 miles. Rates shown include a 1% discount for direct deposit and are subject to change without notice. Actual rate may be higher based on credit history. Other terms available. Maximum term is 5 years.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 9.00% | Repayment term: $87.45 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 24 months | 9.00% | Repayment term: $45.68 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 36 months | 9.00% | Repayment term: $31.80 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 48 months | 9.50% | Repayment term: $25.12 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 60 months | 9.50% | Repayment term: $21.00 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
Sources (1)
- hartfordfcu.com/Loans-Visa/Rates.aspx · captured Oct 15, 2026
Auto Loans - NEW
Newer model auto loan rates are for vehicles from the current year or previous year with 7,500 miles or less. Up to 110% financing for qualified buyers. Terms up to 7 years (84 months). Rates shown include a 1% discount for direct deposit and are subject to change without notice. Actual rate may be higher based on credit history. Other terms available.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 3.99% | Repayment term: $85.15 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 24 months | 3.99% | Repayment term: $43.42 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 36 months | 3.99% | Repayment term: $29.52 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 48 months | 4.74% | Repayment term: $22.91 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 60 months | 4.99% | Repayment term: $18.87 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 72 months | 5.24% | Repayment term: $16.22 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 84 months | 5.99% | Repayment term: $14.61 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
Sources (2)
All captured Oct 15, 2026
Auto Loans - USED
Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms. Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Actual rate may be higher based on credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 4.74% | Repayment term: $85.49 per thousand. Includes a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 24 months | 4.74% | Repayment term: $43.76 per thousand. Includes a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 36 months | 4.74% | Repayment term: $29.85 per thousand. Includes a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 48 months | 4.99% | Repayment term: $23.03 per thousand. Includes a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 60 months | 5.24% | Repayment term: $18.99 per thousand. Includes a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 72 months | 5.99% | Repayment term: $16.57 per thousand. Includes a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
| up to 84 months | 6.49% | Repayment term: $14.85 per thousand. Includes a 1% discount for direct deposit. Actual rate may be higher based on credit history. |
Sources (1)
- hartfordfcu.com/Loans-Visa/Rates.aspx · captured Oct 15, 2026
Who can join Hartford Federal Credit Union
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