Credit union · NCUA insured
Johns Hopkins Credit Union Auto Loan Rates
Top CarrotJohns Hopkins Credit Union auto loans start at 4.99% APR for a new vehicle and 6.99% for a used one. Rates checked October 22, 2026.
How Johns Hopkins Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where Johns Hopkins Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Johns Hopkins Credit Union
4.99%APR
- Terms
- up to 72 months
- Discount
- None included
New & Used Auto Loans
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
Johns Hopkins Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Johns Hopkins 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 Refinance
Refinancing of non-JHCU auto loans. No prepayment penalties. Skipping first payments up to 90 days available. Rates determined by credit and LTV. Vehicle must be no more than 10 years old and have under 125,000 miles. For vehicles 8-10 years old, can only finance 100% of the value reported by JD Power.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Used Auto refinance. Term 72 months or less. Rate subject to change; determined by credit evaluation and LTV upon refinancing non-JHCU loan. |
| up to 84 months | 5.49% | Used Auto refinance. Term 84 months. Rate subject to change; determined by credit evaluation and LTV upon refinancing non-JHCU loan. |
| up to 72 months | 6.99% | Used Auto refinance (8-10 Yr Old Vehicle). Term 72 months or less; max 125K miles. Can only finance 100% of JD Power value. Rate subject to change; determined by credit evaluation and LTV upon refinancing non-JHCU loan. |
| up to 84 months | 7.49% | Used Auto refinance (8-10 Yr Old Vehicle). Term 84 months; max 125K miles. Can only finance 100% of JD Power value. Rate subject to change; determined by credit evaluation and LTV upon refinancing non-JHCU loan. |
Blank Check Auto Loan
Valid on New and Used cars purchased within your state of residence only. Must be pre-approved. Check valued up to pre-approval amount. Shop for 60 days without interest. Earn 1% Cash Back on a new vehicle (credited to savings within 30 days of disbursal, excludes GAP/warranty amounts). Skipping first payment up to 90 days available. Rates determined by credit and LTV. Vehicle must be no more than 10 years old and have under 125,000 miles. For vehicles 8-10 years old, can only finance 100% of JD Power value.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | New Auto. Term 72 months or less. Rate subject to change; determined by credit evaluation. Pre-approval required. Earn 1% Cash Back on new vehicle. |
| up to 84 months | 5.49% | New Auto. Term 84 months. Pre-approval required. Earn 1% Cash Back on new vehicle. Rate subject to change; determined by credit evaluation. |
| up to 72 months | 6.99% | Used Auto (8-10 Yr Old Vehicle). Term 72 months or less; max 125K miles. Can only finance 100% of JD Power value. Pre-approval required. Rate subject to change; determined by credit evaluation. |
| up to 84 months | 7.49% | Used Auto (8-10 Yr Old Vehicle). Term 84 months; max 125K miles. Can only finance 100% of JD Power value. Pre-approval required. Rate subject to change; determined by credit evaluation. |
Sources (2)
All captured Oct 4, 2026
New & Used Auto Loans
Rates determined by an evaluation of credit and loan-to-value (LTV). Down payment may be required. Property and flood insurance may be required. Skipping first payment up to 90 days available (interest still accumulates). JHCU serves employees, students, retirees and Alumni Association members of Johns Hopkins University, Johns Hopkins Health System/hospitals, and other select entities.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | New Auto. Term 72 months or less. Rate subject to change; determined by credit evaluation. |
| up to 84 months | 5.49% | New Auto. Term 84 months. Minimum amount to finance is $30,000. Rate subject to change; determined by credit evaluation. |
| up to 72 months | 6.99% | Used Auto (8-10 Yr Old Vehicle). Term 72 months or less; max 125K miles. Can only finance 100% of the value reported by JD Power at the time of loan request. Rate subject to change; determined by credit evaluation. |
| up to 84 months | 7.49% | Used Auto (8-10 Yr Old Vehicle). Term 84 months; max 125K miles. Can only finance 100% of the value reported by JD Power at the time of loan request. Rate subject to change; determined by credit evaluation. |
Sources (2)
All captured Oct 4, 2026
Who can join Johns Hopkins 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, volunteer, or attend school in Census Tract 2605.01 in Baltimore City, Maryland are eligible for membership.
Employers and groups
- Employees and retirees of Johns Hopkins Hospitals, Johns Hopkins Health System, and named affiliated health institutions and entities are eligible for membership.
- Employees and retirees of eligible affiliated companies, contractors, and partner groups (including Aramark under contract for JHU Mt. Washington Conference Center Campus; Believe in Tomorrow Children’s House at Johns Hopkins; Canton Tower at 1501 S. Clinton St, Baltimore; Carnegie Institution of Washington; Community of Science; COPT Defense Properties; Dome Corporation; Howard Hughes Medical Institute of JHMI; Kennedy Krieger Institute; Keswick Multi-Care Center; Lieber Institute for Brain Development; Lifestar Response of Maryland in/paid from Annapolis Junction, MD; Paragon Biomedical Services, Inc.; Patient First at Greenspring Station; PinnacleCare; Potomac Home Health Care; Potomac Home Support; Professional Placement Resources for JH employees; Resolution Health, Inc. Columbia, MD location only; Space Telescope Science Institute; Transwestern Employees @ Mt. Washington Campus; Universal Protection Service / Allied Universal under regular contract for JHU and Peabody Institute in Baltimore, MD) are eligible for membership.
Military, government and schools
- Individuals currently employed by or retired from specified affiliated educational institutions and organizations (Henderson-Hopkins School; Independent College Fund of Maryland; Maryland Independent College and University Association, Inc.; Maryland Institute, College of Art; Mount Saint Mary's University; Washington College) are eligible for membership.
- All employees on the Bayview Medical Campus, including NIA, NIH, NIDA, and NHGRI, are eligible for membership.
- Employees, students, and retirees of Johns Hopkins University, as well as members of the Johns Hopkins University Alumni Association, are eligible for membership.
3 more ways to join
Military, government and schools
- Employees and students of the Peabody Institute of The Johns Hopkins University (and retirees) are eligible for membership.
- Employees and students of SAIS (Johns Hopkins School of Advanced International Studies) (and retirees) are eligible for membership.
Family and household
- Immediate family members (including spouses, children, step-children, parents, step-parents, grandparents, grandchildren, brothers, sisters, and step-siblings) and household members of an eligible individual are eligible to join.
Cost to join
- Depositing $1 establishes part-ownership in the credit union.
Membership information collected October 4, 2026.