Credit union · NCUA insured
Interior Federal Auto Loan Rates
Interior Federal auto loans start at 4.34% APR for a new vehicle and 4.44% for a used one. Rates checked October 22, 2026.
How Interior Federal’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Interior Federal has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Interior Federal
4.34%APR
- Terms
- 37–60 months
New Vehicles
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Interior Federal auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew4.34%
- Used vehicleUsed4.44%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Interior Federal 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 Vehicles
New automobiles will be defined as those that have not been titled, or those that have been titled within the last 6 months and have less than 7,000 miles. Membership required; actual loan rate is based on applicant's creditworthiness and an evaluation of credit history, so your rate may differ. Loan subject to approval. Not all applicants will qualify. Not all borrowers will qualify for the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.34% | As low as 4.34% APR for up to 36 months. A monthly payment for a $20,000 new vehicle loan at 4.34% APR for 36 months will be $593.48 per month. Rate based on creditworthiness. |
| 37–60 months | 4.34% | As low as 4.34% APR. Rate based on creditworthiness. |
| 61–72 months | 4.44% | As low as 4.44% APR. Rate based on creditworthiness. |
| 73–84 months | 4.84% | As low as 4.84% APR. Rate based on creditworthiness. |
Sources (1)
- interiorfederal.org/borrow/vehicle · captured Oct 3, 2026
Used Vehicles
Membership required; actual loan rate based on applicant's creditworthiness and an evaluation of credit history, so your rate may differ. Loan subject to approval. Not all applicants will qualify. Not all borrowers will qualify for the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.44% | As low as 4.44% APR for up to 36 months. A monthly payment for a $20,000 used vehicle loan at 4.44% APR for 36 months will be $594.37 per month. Rate based on creditworthiness. |
| 37–60 months | 4.44% | As low as 4.44% APR. Rate based on creditworthiness. |
| 61–72 months | 4.54% | As low as 4.54% APR. Rate based on creditworthiness. |
| 73–84 months | 4.94% | As low as 4.94% APR. Rate based on creditworthiness. |
Sources (1)
- interiorfederal.org/borrow/vehicle · captured Oct 3, 2026
Who can join Interior Federal
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can become eligible by joining partner association Public Lands Foundation at no cost.
Employers and groups
- Available to members/employees of Public Lands Alliance (PLA) as a Select Employee Group.
- Available to non-DOI employees, volunteers, and retirees (and members where designated) of specified partner organizations.
Military, government and schools
- Available to DOI on-site contractors.
- Available to DOI employees nationwide.
- Available to all DOI retirees.
2 more ways to join
Military, government and schools
- Available to volunteers for a DOI organization or national park.
Family and household
- Available to spouses, children, siblings, parents, grandparents, grandchildren, and household members living in the same residence who maintain a single economic unit.
Cost to join
- Submit $25 for your membership share through your funding choice.
Membership information collected October 4, 2026.