Credit union · NCUA insured
Lanco Federal Credit Union Auto Loan Rates
Lanco Federal Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How Lanco Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lancaster, PA, where Lanco Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lanco Federal Credit Union
5.74%APR
- Terms
- 49–60 months
- Up to
- 13.74% APR
Automobile Loan
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
- —
Lanco Federal Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lanco 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.
Auto Loan Refinancing
APR accurate as of 8/25/2025 and may change at any time. APR varies based on borrower credit score. Maximum loan amount is determined by vehicle age, vehicle value, and borrower qualifications. Rates advertised are available for members meeting standard credit criteria. Automatically comes with Take-Backs™ allowing penalty-free access to extra funds paid ahead.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99%–12.99% | Vehicle Model Years 2019 & Newer. Loan amount: Any amount. Payment example: A loan at 4.99% APR would require 36 monthly payments of $29.97 per $1,000 borrowed. |
| 37–48 months | 5.74%–13.74% | Vehicle Model Years 2019 & Newer. Loan amount: $5,000+. Payment example: A loan at 5.74% APR would require 48 monthly payments of $23.37 per $1,000 borrowed. |
| 49–60 months | 5.74%–13.74% | Vehicle Model Years 2019 & Newer. Loan amount: $10,000+. Payment example: A loan at 5.74% APR would require 60 monthly payments of $19.21 per $1,000 borrowed. |
| 61–72 months | 6.24%–14.24% | Vehicle Model Years 2019 & Newer. Loan amount: $20,000+. Payment example: A loan at 6.24% APR would require 72 monthly payments of $16.69 per $1,000 borrowed. |
| 73–84 months | 6.74%–14.74% | Vehicle Model Years 2019 & Newer. Loan amount: $25,000+. Payment example: A loan at 6.74% APR would require 84 monthly payments of $14.97 per $1,000 borrowed. |
| up to 36 months | 6.99%–14.99% | Model Years 2013–2018. Loan amount: Any amount. Payment example: A loan at 6.99% APR would require 36 monthly payments of $30.87 per $1,000 borrowed. |
| 37–60 months | 7.74%–15.74% | Model Years 2013–2018. Loan amount: $5,000+. Payment example: A loan at 7.74% APR would require 60 monthly payments of $20.15 per $1,000 borrowed. |
| up to 36 months | 9.24%–18.00% | Model Years 2001–2012. Loan amount: Any amount. Payment example: A loan at 9.24% APR would require 36 monthly payments of $31.91 per $1,000 borrowed. |
| 37–60 months | 9.24%–18.00% | Model Years 2001–2012. Loan amount: $5,000+. Payment example: A loan at 9.24% APR would require 60 monthly payments of $20.88 per $1,000 borrowed. |
Sources (1)
- lancofcu.com/personal/loans/auto/refinance · captured Oct 7, 2026
Automobile Loan
APR accurate as of 8/25/2025 and may change at any time. APR varies based on borrower credit score. Maximum loan amount is determined by vehicle age, vehicle value, and borrower qualifications. Rates advertised are available for members meeting standard credit criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99%–12.99% | Model Years 2020 & Newer. Loan amount: Any amount. Payment example: A loan at 4.99% APR would require 36 monthly payments of $29.97 per $1,000 borrowed. |
| 37–48 months | 5.74%–13.74% | Model Years 2020 & Newer. Loan amount: $5,000+. Payment example: A loan at 5.74% APR would require 48 monthly payments of $23.37 per $1,000 borrowed. |
| 49–60 months | 5.74%–13.74% | Model Years 2020 & Newer. Loan amount: $10,000+. Payment example: A loan at 5.74% APR would require 60 monthly payments of $19.21 per $1,000 borrowed. |
| 61–72 months | 6.24%–14.24% | Model Years 2020 & Newer. Loan amount: $20,000+. Payment example: A loan at 6.24% APR would require 72 monthly payments of $16.69 per $1,000 borrowed. |
| 73–84 months | 6.74%–14.74% | Model Years 2020 & Newer. Loan amount: $25,000+. Payment example: A loan at 6.74% APR would require 84 monthly payments of $14.97 per $1,000 borrowed. |
| up to 36 months | 6.99%–14.99% | Model Years 2014–2019. Loan amount: Any amount. Payment example: A loan at 6.99% APR would require 36 monthly payments of $30.87 per $1,000 borrowed. |
| 37–60 months | 7.74%–15.74% | Model Years 2014–2019. Loan amount: $5,000+. Payment example: A loan at 7.74% APR would require 60 monthly payments of $20.15 per $1,000 borrowed. |
| up to 36 months | 9.24%–18.00% | Model Years 2002–2013. Loan amount: Any amount. Payment example: A loan at 9.24% APR would require 36 monthly payments of $31.91 per $1,000 borrowed. |
| 37–60 months | 9.24%–18.00% | Model Years 2002–2013. Loan amount: $5,000+. Payment example: A loan at 9.24% APR would require 60 monthly payments of $20.88 per $1,000 borrowed. |
Sources (1)
- lancofcu.com/rates/auto-loan · captured Oct 7, 2026
Who can join Lanco Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.