Credit union · NCUA insured
Horizon Federal Credit Union Auto Loan Rates
Horizon Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Horizon Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Williamsport, PA, where Horizon Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Horizon Federal Credit Union
5.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Wyrope Williamsport FCU
4.00%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
West Branch Valley Federal Credit Union
4.24%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
Horizon Federal Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Horizon 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
Rates can vary based on creditworthiness, loan-to-value, terms of loan, and relationship with credit union. Rates include a 1.00% rate discount for automatic payments out of an active Horizon checking account. Buy new or used cars or trucks, or refinance an existing loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | Rate includes a 1.00% rate discount for automatic payments out of an active Horizon checking account. Advertised rate can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union. |
| up to 60 months | 5.50% | Rate includes a 1.00% rate discount for automatic payments out of an active Horizon checking account. Advertised rate can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union. |
| up to 72 months | 6.00% | Rate includes a 1.00% rate discount for automatic payments out of an active Horizon checking account. Advertised rate can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union. |
| up to 84 months | 6.50% | Rate includes a 1.00% rate discount for automatic payments out of an active Horizon checking account. Advertised rate can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union. |
Sources (3)
All captured Oct 6, 2026
Motorcycle Loans
Rates can vary based on creditworthiness, loan-to-value, terms of loan, and relationship with credit union. Rates displayed include a 1.00% rate discount for automatic payments out of an active Horizon checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.25% | The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union. Rates displayed include a 1.00% rate discount for automatic payments out of an active Horizon checking account. |
| up to 60 months | 6.75% | The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union. Rates displayed include a 1.00% rate discount for automatic payments out of an active Horizon checking account. |
| up to 72 months | 7.25% | The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union. Rates displayed include a 1.00% rate discount for automatic payments out of an active Horizon checking account. |
| up to 84 months | 7.75% | The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union. Rates displayed include a 1.00% rate discount for automatic payments out of an active Horizon checking account. |
Sources (1)
- horizonfcu.org/rates · captured Oct 6, 2026
Who can join Horizon Federal Credit Union
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