Credit union · NCUA insured
Labor Credit Union Auto Loan Rates
Top CarrotLabor Credit Union auto loans start at 4.87% APR for a new vehicle and 4.87% for a used one. Rates checked October 22, 2026.
How Labor Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Labor Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Labor Credit Union
4.87%APR
- Terms
- up to 72 months
- Up to
- 17.99% APR
First-Time Auto Buyer Program
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
Labor Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.87%
- Used vehicleUsed4.87%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Labor 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
Loan approval and processing is based on standard loan underwriting guidelines. Not all applicants will qualify for the lowest rate. Full insurance coverage on the collateral vehicle is required for the life of the loan. Whether buying new or refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.87% | Rates starting at 4.87%. Rates are based on credit tier and loan term; not all applicants will qualify for the lowest rate. |
| 49–60 months | 5.37% | Rates starting at 5.37%. Rates are based on credit tier and loan term; not all applicants will qualify for the lowest rate. |
| 61–72 months | 5.87% | Rates starting at 5.87%. Rates are based on credit tier and loan term; not all applicants will qualify for the lowest rate. |
| 73–84 months | 6.37% | Rates starting at 6.37%. Rates are based on credit tier and loan term; not all applicants will qualify for the lowest rate. |
First-Time Auto Buyer Program
For first-time car-buying members to purchase a new or used auto loan. Must be 18 years or older with minimum of 1 year with current employer, no previous auto loan or significant derogatory credit. Payment to income cannot exceed 15%. Maximum LTV 90%. Eligible model years 2016-2025. All accounts of obligor must be in good standing. Collateral insurance required for life of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.87%–17.99% | APR ranges between 4.87% to 17.99% based on credit. Loan amounts up to $20,000. Flexible terms up to 72 months. Applies to new or used vehicles (model years 2016-2025). Maximum LTV 90%. |
Sources (1)
- dolfcu.org/vehicle-loans · captured Oct 15, 2026
Who can join Labor Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.