Credit union · NCUA insured
IRCO Credit Union Auto Loan Rates
IRCO Credit Union auto loans start at 5.74% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How IRCO Credit Union’s auto loan rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where IRCO Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
IRCO Credit Union
5.74%APR
- Terms
- up to 60 months
New Auto Loan
Lowest rate
APCI Federal Credit Union
4.24%APR
- Terms
- up to 60 months
2nd-lowest rate
Sarco Federal Credit Union
4.50%APR
- Terms
- up to 60 months
IRCO Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.74%
- 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 IRCO 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.
New Auto Loan
Qualified applicants can borrow up to 100% of the vehicle's list price. Model Year 2027, 7,500 miles or less. Rates are based on an evaluation of applicant credit. Rates subject to change without notice. Term to be determined during underwriting and other conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | Model Year 2027, 7,500 miles or less. APR as low as. Rates based on evaluation of applicant credit. |
| up to 60 months | 5.74% | Model Year 2027, 7,500 miles or less. APR as low as. Rates based on evaluation of applicant credit. |
| up to 72 months | 6.24% | Model Year 2027, 7,500 miles or less. APR as low as. Rates based on evaluation of applicant credit. |
Used Auto Loan
Finance used vehicle up to 100% of the J.D. Power value. Model Years 2021 – 2026. Rates are based on an evaluation of applicant credit. Rates subject to change without notice. Term to be determined during underwriting and other conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.74% | Model Years 2021 – 2026. APR as low as. Rates based on evaluation of applicant credit. |
| up to 60 months | 5.99% | Model Years 2021 – 2026. APR as low as. Rates based on evaluation of applicant credit. |
| up to 72 months | 6.49% | Model Years 2021 – 2026. APR as low as. Rates based on evaluation of applicant credit. |
Who can join IRCO 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 who live, work, worship, attend school, conduct business, or volunteer in Phillipsburg, Alpha, or the Townships of Franklin, Greenwich, Harmony, Lopatcong, and Pohatcong, New Jersey, are eligible for membership.
- Individuals who live, work, worship, attend school, conduct business, or volunteer in Northampton and Lehigh Counties, Pennsylvania, are eligible for membership.
Family and household
- Membership can be expanded to immediate family members of members, including mother, father, son, daughter, sister, brother, etc.
Cost to join
- An initial deposit of $5.00 is required to open an account and establish membership.
Membership information collected October 5, 2026.