Credit union · NCUA insured
Ingersoll Rand Federal Credit Union Auto Loan Rates
Top CarrotIngersoll Rand Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Ingersoll Rand Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sayre, PA, where Ingersoll Rand Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ingersoll Rand Federal Credit Union
4.99%APR
- Terms
- 49–60 months
- Up to
- —
Auto - 2024 or Newer
Lowest rate
P&G Mehoopany Employees Federal Credit Union
4.90%APR
- Terms
- up to 96 months
- Up to
- 17.50% APR
3rd-lowest rate
M&T Bank
6.79%APR
- Terms
- up to 84 months
- Up to
- 15.69% APR
Ingersoll Rand Federal Credit Union auto loan score
78
Auto loan score
Higher than 47% of U.S. banks and credit unions
- New vehicleNew4.99%
- 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 Ingersoll Rand 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 - 2024 or Newer
Vehicle must have less than 20,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Vehicle must have less than 20,000 miles. |
| 37–48 months | 4.99% | Vehicle must have less than 20,000 miles. |
| 49–60 months | 4.99% | Vehicle must have less than 20,000 miles. |
| 61–72 months | 5.49% | Vehicle must have less than 20,000 miles. |
| 73–84 months | 5.74% | Vehicle must have less than 20,000 miles. 73-84 month term must be $30,000 or more. |
Sources (1)
- ingersollrandfcu.com/rates · captured Oct 16, 2026
Motorcycle – 2023 and Newer
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | — |
| 37–48 months | 4.99% | — |
| 49–60 months | 4.99% | — |
| 61–72 months | 5.49% | — |
| 73–84 months | 5.74% | — |
Sources (1)
- ingersollrandfcu.com/rates · captured Oct 16, 2026
NEW EV-HYBRID VEHICLE
Applicants must qualify for membership to complete the loan process.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74% | — |
Sources (1)
- ingersollrandfcu.com/vehicle-loans · captured Oct 16, 2026
OLDER USED EV-HYBRID VEHICLE
Applicants must qualify for membership to complete the loan process.
| Terms | APR | Conditions |
|---|---|---|
| — | 8.74% | — |
Sources (1)
- ingersollrandfcu.com/vehicle-loans · captured Oct 16, 2026
Older Vehicle – 2018 and Older
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.49% | — |
| 37–48 months | 8.49% | — |
| 49–60 months | 8.49% | 49-60 month term must be $15,000 or more |
Sources (1)
- ingersollrandfcu.com/rates · captured Oct 16, 2026
USED EV-HYBRID VEHICLE
Applicants must qualify for membership to complete the loan process.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.74% | — |
Sources (1)
- ingersollrandfcu.com/vehicle-loans · captured Oct 16, 2026
Used Vehicle – 2019-2023
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99% | — |
| 37–48 months | 5.99% | — |
| 49–60 months | 5.99% | 49-60 month must be $10,000 |
| 61–72 months | 6.24% | 61-72 month must be $25,000 |
| 73–84 months | 6.74% | 73-84 month must be $40,000 |
Sources (1)
- ingersollrandfcu.com/rates · captured Oct 16, 2026
Who can join Ingersoll Rand Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Ingersoll-Rand Company retirees and former employees are eligible for membership.
- Employees, volunteers, members, and students of partner companies and organizations on the Community Partner List are eligible for membership.
Military, government and schools
- Students, employees, and board members of specified local school districts are eligible for membership.
- Employees, officials, and volunteers of specified local borough and township entities/authorities are eligible for membership.
Family and household
- Immediate family and household members of current credit union members are eligible for membership.
- Direct family members of employees, volunteers, members, or retirees of partner organizations are eligible for membership.
Membership information collected October 5, 2026.