Credit union · NCUA insured
Local 1776 Federal Credit Union Auto Loan Rates
Local 1776 Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Local 1776 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Local 1776 Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Local 1776 Federal Credit Union
4.99%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
New Vehicles
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Local 1776 Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Local 1776 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 Vehicles
As-low-as APRs for qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.99% | As low as; for qualified buyer. Home page also advertises new-car rates starting as low as 3.99%. |
| up to 72 months | 4.99% | As low as; for qualified buyer. |
| up to 84 months | 5.99% | As low as; 7 years if more than $20k; for qualified buyer. |
Used Vehicles
As-low-as APRs for qualified buyers; term depends on model-year band.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | Model years 2023–2026; as low as; for qualified buyer. |
| up to 60 months | 4.99% | Model years 2023–2026; as low as; for qualified buyer. Home page also advertises used cars starting at 4.99%. |
| up to 48 months | 5.49% | Model years 2019–2022; as low as; for qualified buyer. |
| up to 36 months | 5.99% | Model years 2016–2018; as low as; for qualified buyer. |
Who can join Local 1776 Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of Local 152.
- Membership is open to members of UFCW Local 1776.
Family and household
- Membership is open to the spouse, children, parents, brothers, sisters, in-laws, or any relative by blood or marriage of an eligible member.
Membership information collected October 5, 2026.