Credit union · NCUA insured
Hershey Federal Credit Union Auto Loan Rates
Hershey Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How Hershey Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Harrisburg, PA, where Hershey Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hershey Federal Credit Union
5.00%APR
- Terms
- 37–60 months
- Discount
- Included in the rate
Vehicle Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
2nd-lowest rate
PA Central Federal Credit Union
4.99%APR
- Terms
- up to 84 months
- Discount
- None included
Hershey Federal Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hershey 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.
Vehicle Loans
Competitive rates for new or used vehicle purchases. Refinance current vehicle to potentially lower rate. Available on new loans only (refinancing existing Hershey FCU loans does not qualify). Rates reflect an additional 0.25% discount with automated payment from an active Hershey FCU Share Draft or Regular Share Account.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.00% | Amount available up to 100% of MSRP, Tax, Title, Tags. Lowest available APR based on creditworthiness; reflects 0.25% discount with automated payment from active Hershey FCU Share Draft or Regular Share Account. Available on new loans only. |
| 37–60 months | 5.00% | Amount available up to 100% of MSRP, Tax, Title, Tags. Lowest available APR based on creditworthiness; reflects 0.25% discount with automated payment from active Hershey FCU Share Draft or Regular Share Account. Available on new loans only. |
| 61–72 months | 5.50% | Minimum loan amount $25,000. Amount available up to 100% of MSRP, Tax, Title, Tags. Lowest available APR based on creditworthiness; reflects 0.25% discount with automated payment from active Hershey FCU Share Draft or Regular Share Account. Available on new loans only. |
| 73–84 months | 5.75% | Minimum loan amount $25,000. Amount available up to 100% of MSRP, Tax, Title, Tags. Lowest available APR based on creditworthiness; reflects 0.25% discount with automated payment from active Hershey FCU Share Draft or Regular Share Account. Available on new loans only. |
Sources (2)
All captured Oct 6, 2026
Who can join Hershey 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 and their immediate family members (spouse, children, siblings, parents, grandparents, grandchildren, step-parents, step-children, step-siblings, and adopted relationships) who live, work, worship, or attend school in Dauphin or Lebanon Counties are eligible for membership.
Family and household
- Any immediate family member (spouse, children, siblings, parents, grandparents, grandchildren, step-parents, step-children, step-siblings, and adopted relationships) of current Hershey FCU members is eligible to join.
Cost to join
- All members are required to make a $5.00 deposit upon account opening.
Membership information collected October 5, 2026.