Credit union · NCUA insured
LM Federal Credit Union Auto Loan Rates
LM Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How LM Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where LM Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New Vehicle Loans
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
3rd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
LM Federal Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where LM 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.
New Vehicle Loans
To purchase (2024, 2025 or 2026 auto or truck with less than 25,000 miles) or refinance (maximum mileage 25,000, otherwise financed as a used vehicle). Rates include a 1/4% automatic repayment discount and an online application discount of 0.10%. Rates, down payment and terms depend on credit history. Minimum rate 3.99%.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | 0% down required. Includes 1/4% automatic repayment discount and 0.10% online application discount. |
| 49–60 months | 4.24% | 0% down required. Includes 1/4% automatic repayment discount and 0.10% online application discount. |
| 61–72 months | 4.74% | 0% down required. Includes 1/4% automatic repayment discount and 0.10% online application discount. |
| 73–84 months | 5.49% | 0% down required. Includes 1/4% automatic repayment discount and 0.10% online application discount. |
Used Vehicle Loans (2013 - 2016)
Purchase or refinance (2013 - 2016 model year). Provided the vehicle has a value of $5,000 or greater. Minimum down payment of 5% is required. Rates include a 1/4% automatic repayment discount and an online application discount of 0.10%. Rates, down payment and terms depend on credit history. Minimum rate for model years 2013 thru 2016 is 5.99%.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99% | 0% down mentioned in table / 5% minimum down payment required for 2013-2016 models. Includes 1/4% automatic repayment discount and 0.10% online application discount. |
| 49–54 months | 6.49% | 0% down mentioned in table / 5% minimum down payment required for 2013-2016 models. Includes 1/4% automatic repayment discount and 0.10% online application discount. |
Used Vehicle Loans (2017 - 2019)
Purchase or refinance (2017 - 2019 model year). Rates include a 1/4% automatic repayment discount and an online application discount of 0.10%. Rates, down payment and terms depend on credit history. Minimum rate for model years 2017 thru 2019 is 5.24%.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | 0% down required. Includes 1/4% automatic repayment discount and 0.10% online application discount. |
| 49–60 months | 5.49% | 0% down required. Includes 1/4% automatic repayment discount and 0.10% online application discount. |
| 61–72 months | 5.99% | 0% down required. Includes 1/4% automatic repayment discount and 0.10% online application discount. |
Used Vehicle Loans (2020-2023)
To purchase (from a dealer or private party) or refinance a vehicle (2020-2023 model year). Rates include a 1/4% automatic repayment discount and an online application discount of 0.10%. Rates, down payment and terms depend on credit history. Minimum rate for model years 2020 to 2021 as well as 2023 and 2025 models with more than 25,000 miles is 4.49%.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | 0% down required. Includes 1/4% automatic repayment discount and 0.10% online application discount. |
| 49–60 months | 4.74% | 0% down required. Includes 1/4% automatic repayment discount and 0.10% online application discount. |
| 61–72 months | 5.24% | 0% down required. Includes 1/4% automatic repayment discount and 0.10% online application discount. |
Who can join LM Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.