Credit union · NCUA insured
Market USA Federal Credit Union Auto Loan Rates
Market USA Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Market USA Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where Market USA Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Market USA Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
Market USA Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% 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 Market USA 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 Auto Loan
Membership required. Rates shown include a 0.25% discount for automatic payment and an additional 0.50% discount for having a qualifying Reward Rate Relationship (eStatements and either direct deposit of at least $500/month with active checking or at least $25,000 on deposit). Rates for vehicles 7 years and older are 3.00% above the stated rate. Finance up to 130% of vehicle value. No prepayment penalties. Make no payments for 2 months when financing (interest accrues during deferral; does not apply to refinancing existing Market USA loans or CUDL-initiated loans).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher. |
| up to 48 months | 4.99% | Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher. |
| up to 60 months | 4.99% | Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher. |
| up to 72 months | 5.49% | Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher. |
| up to 84 months | 5.99% | Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher. |
Sources (1)
- marketusafcu.com/Loans/Auto · captured Oct 22, 2026
Used Auto Loan
Membership required. Rates shown include a 0.25% discount for automatic payment and an additional 0.50% discount for having a qualifying Reward Rate Relationship (eStatements and either direct deposit of at least $500/month with active checking or at least $25,000 on deposit). Rates for vehicles 7 years and older are 3.00% above the stated rate. Finance up to 130% of vehicle value. No prepayment penalties. Make no payments for 2 months when financing (interest accrues during deferral; does not apply to refinancing existing Market USA loans or CUDL-initiated loans).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher. |
| up to 48 months | 4.99% | Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher. |
| up to 60 months | 4.99% | Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher. |
| up to 72 months | 5.49% | Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher. |
| up to 84 months | 5.99% | Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher. |
Sources (1)
- marketusafcu.com/Loans/Auto · captured Oct 22, 2026
Who can join Market USA Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.