Credit union · NCUA insured
Library of Congress Federal Credit Union Auto Loan Rates
Top CarrotLibrary of Congress Federal Credit Union auto loan rates start at 4.15% APR. Rates checked October 22, 2026.
How Library of Congress Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Library of Congress Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Library of Congress Federal Credit Union
– –
- Terms
- —
No ongoing APR published
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
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 or Used Vehicle Loans & Refinancing
Credit decision based on overall creditworthiness. Refinancing not available on existing LCFCU loans. Rate discounts up to 0.50% APR available for LCFCU Visa Credit Card (0.25%), Automatic transfers/Allotment (0.25%), and Free checking with Net Pay (0.50%), subject to designated minimum rate. Up to 100% financing. Terms up to 144 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 144 months | 4.15%–16.51% | Terms up to 144 months. Refinancing not available on existing LCFCU loans. Up to 0.50% APR discount available. Applies to autos, trucks, SUVs, motorcycles. |
Who can join Library of Congress Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of AARP who work in, or are paid or supervised from Washington, D.C. are eligible to join.
- Members and employees of American Booksellers Association in Harrison, NY who qualify in accordance with its charter and bylaws are eligible to join.
- Voting members and employees of the American Library Association are eligible to join.
- Employees of Strategic Partner organizations or companies are eligible to join.
Military, government and schools
- Employees of the Institute of Museum & Library Services who work in, or are paid or supervised from Washington, D.C. are eligible to join.
- Employees of the Library of Congress and other Federal employees in the Library of Congress building are eligible to join.
5 more ways to join
Military, government and schools
- Contractors who work for the Library of Congress are eligible to join.
- Employees of the Office of Compliance who work in Washington, D.C. are eligible to join.
- Employees of the Supreme Court of the United States who work in or are paid or supervised from Washington, D.C. are eligible to join.
Family and household
- Family members (including spouse, parents, grandparents, grandchildren, and other family members) and people maintaining a single economic unit (such as domestic partners, roommates, and legal guardian relationships) with eligible employees are eligible to join.
Other ways
- Employees, unit owners, and residents of The Forum Condominium in North Bethesda, MD are eligible to join.
Membership information collected October 4, 2026.