Credit union · NCUA insured
Lafayette Federal Credit Union Auto Loan Rates
Top CarrotLafayette Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Lafayette Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Lafayette Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lafayette Federal Credit Union
5.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Lafayette Federal Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lafayette 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.
Classic Vehicle Loan
For cars over 20 model years old. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value if lower; Refinance: 70% of full replacement value. Reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50% | Reflects a 0.25% discount for Direct Deposit and automatic debit from Checking Account. |
| up to 72 months | 5.75% | Reflects a 0.25% discount for Direct Deposit and automatic debit from Checking Account. |
| up to 84 months | 6.00% | Reflects a 0.25% discount for Direct Deposit and automatic debit from Checking Account. |
| up to 120 months | 6.25% | Reflects a 0.25% discount for Direct Deposit and automatic debit from Checking Account. |
Sources (1)
- lfcu.org/personal/classic-car-restoration-loans · captured Oct 4, 2026
New Auto Loan
Financing up to 125% on previously untitled or unregistered car, van or SUV purchased from a licensed dealer. Seven model years old or newer classifies as new or used vehicle. Rates reflect 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Add 2.00% to pricing for overseas vehicle loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle. |
| up to 48 months | 5.00% | Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle. |
| up to 60 months | 5.50% | Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle. |
| up to 72 months | 5.50% | Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle. |
| up to 84 months | 6.25% | Requires $25,000 minimum loan amount for 73 to 84 months. Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle. |
Sources (1)
- lfcu.org/personal/auto-loans-car-buying/loans · captured Oct 4, 2026
New Motorcycle Loan
Borrow up to 125% of the total cost. Stated APR reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.25% | Reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account. |
| up to 48 months | 7.50% | Reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account. |
| up to 60 months | 7.75% | Reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account. |
Sources (1)
- lfcu.org/personal/recreational-vehicle-loans/motorcycle · captured Oct 4, 2026
Used Auto Loan
Repayment term varies based on vehicle age. Vehicles seven model years or newer qualify (e.g., 2019 or newer in 2026). Rates reflect 0.25% discount for Qualified Direct Deposit and auto debit and 0.125% discount for qualified fuel efficient vehicle. Add 2.00% to pricing for overseas vehicle loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | Financing available for model years 2019 to current model year. Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle. |
| up to 48 months | 5.00% | Financing available for model years 2019 to current model year. Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle. |
| up to 60 months | 5.50% | Financing available for model years 2019 to current model year. Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle. |
| up to 72 months | 5.50% | Financing available for model years 2019 to current model year. Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle. |
| up to 84 months | 6.25% | $25,000 minimum loan amount required for vehicle loan of 73 to 84 months. Financing available for model years 2023 to current model year. Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle. |
Sources (1)
- lfcu.org/personal/auto-loans-car-buying/loans · captured Oct 4, 2026
Vehicle Restoration Loan
Borrow up to $50,000 towards vehicle restoration or modification costs for kit cars, hot rods, muscle cars, and more. Repayment terms vary with vehicle age. Stated APR reflects 0.25% discount for Direct Deposit and automatic debit from Checking Account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.00% | Reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account. |
| up to 72 months | 8.25% | Reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account. |
| up to 84 months | 8.50% | Reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account. |
Sources (1)
- lfcu.org/personal/classic-car-restoration-loans · captured Oct 4, 2026
Who can join Lafayette Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in the specified area of Montgomery County, Maryland known as Potomac (bounded by defined roads and excluding the U.S. Navy Ship Research and Development Center military reservation) are eligible to join.
Employers and groups
- Direct-hire individuals employed by or retired from Lafayette Federal Credit Union's Select Employee Groups are eligible for membership.
- Residents of Maryland, Washington, D.C., or Virginia are eligible to join by becoming a member of the American Consumer Council (ACC), with membership handled at no cost by the credit union.
- Individuals living anywhere in the United States can join by becoming a member of the Home Ownership Financial Literacy Council (HOFLC) for a one-time $10 fee.
Family and household
- Immediate family members of current members (grandparents, parents, spouses, children including foster and adopted, grandchildren, and siblings) and un-remarried spouses of persons who died while employed by eligible organizations are eligible to join.
Cost to join
- A one-time $10 fee is required for automatic enrollment in the Home Ownership Financial Literacy Council (HOFLC).
- A $50 minimum balance is required to open and maintain a Lafayette Federal share savings account.
Membership information collected October 4, 2026.