Credit union · NCUA insured
Lancaster Red Rose Credit Union Auto Loan Rates
Lancaster Red Rose Credit Union auto loans start at 4.75% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Lancaster Red Rose Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lancaster, PA, where Lancaster Red Rose Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lancaster Red Rose Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- —
New & Used Auto Loans (2020 and Newer)
Lowest rate
Wheatland Federal Credit Union
4.49%APR
- Terms
- —
- Up to
- 18.00% APR
2nd-lowest rate
Everence
4.74%APR
- Terms
- up to 60 months
- Up to
- —
Lancaster Red Rose Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.75%
- 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 Lancaster Red Rose 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 & Used Auto Loans (2020 and Newer)
Finance up to 100% of the loan value of vehicles in NADA, including tax and license. Used vehicles must be less than 7 years old. Rates vary by FICO score tier.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | FICO Score: 750+ |
| up to 48 months | 4.75% | FICO Score: 750+ |
| up to 60 months | 4.75% | FICO Score: 750+ |
| up to 72 months | 5.00% | FICO Score: 750+ |
| up to 84 months | 5.25% | FICO Score: 750+ |
| up to 36 months | 4.75% | FICO Score: 700 - 749 |
| up to 48 months | 5.00% | FICO Score: 700 - 749 |
| up to 60 months | 5.00% | FICO Score: 700 - 749 |
| up to 72 months | 5.25% | FICO Score: 700 - 749 |
| up to 84 months | 5.50% | FICO Score: 700 - 749 |
| up to 36 months | 6.50% | FICO Score: 650 - 699 |
| up to 48 months | 6.75% | FICO Score: 650 - 699 |
| up to 60 months | 6.75% | FICO Score: 650 - 699 |
| up to 72 months | 7.00% | FICO Score: 650 - 699 |
| up to 84 months | 7.25% | FICO Score: 650 - 699 |
| up to 36 months | 8.50% | FICO Score: 600 - 649 |
| up to 48 months | 8.75% | FICO Score: 600 - 649 |
| up to 60 months | 8.75% | FICO Score: 600 - 649 |
| up to 72 months | 9.00% | FICO Score: 600 - 649 |
| up to 84 months | 9.25% | FICO Score: 600 - 649 |
| up to 36 months | 11.50% | FICO Score: 599 & below |
| up to 48 months | 11.75% | FICO Score: 599 & below |
| up to 60 months | 11.75% | FICO Score: 599 & below |
| up to 72 months | 12.00% | FICO Score: 599 & below |
| up to 84 months | 12.25% | FICO Score: 599 & below |
Sources (2)
All captured Oct 7, 2026
Used Auto Loans (2019 and Older)
Classic car financing also available. Finance up to 100% of the loan value of vehicles in NADA for classic cars/trucks. Classic cars are 7 years old and must carry a minimum value of $3,500. Rates vary by FICO score tier.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | FICO Score: 750+ |
| up to 48 months | 5.25% | FICO Score: 750+ |
| up to 60 months | 5.50% | FICO Score: 750+ |
| up to 36 months | 5.00% | FICO Score: 700 - 749 |
| up to 48 months | 5.50% | FICO Score: 700 - 749 |
| up to 60 months | 5.75% | FICO Score: 700 - 749 |
| up to 36 months | 6.75% | FICO Score: 650 - 699 |
| up to 48 months | 7.25% | FICO Score: 650 - 699 |
| up to 60 months | 7.25% | FICO Score: 650 - 699 |
| up to 36 months | 8.75% | FICO Score: 600 - 649 |
| up to 48 months | 9.25% | FICO Score: 600 - 649 |
| up to 60 months | 9.25% | FICO Score: 600 - 649 |
| up to 36 months | 11.75% | FICO Score: 599 & below |
| up to 48 months | 12.25% | FICO Score: 599 & below |
| up to 60 months | 12.50% | FICO Score: 599 & below |
Sources (2)
All captured Oct 7, 2026
Who can join Lancaster Red Rose Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who lives, works, worships, or attends school in Lancaster County, Pennsylvania.
Employers and groups
- Membership is open to employees of over 55 partner Select Employer Groups throughout Lancaster County.
Family and household
- Membership is open to immediate family members or household members of eligible persons.
Other ways
- Businesses and other legal entities within the community boundaries may qualify for membership.
Cost to join
- An initial deposit is required when submitting a membership application.
- A membership fee is required when submitting a membership application.
Membership information collected October 5, 2026.