Credit union · NCUA insured
Merck Sharp & Dohme Federal Credit Union Auto Loan Rates
Merck Sharp & Dohme Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 6.99% for a used one. Rates checked October 16, 2026.
How Merck Sharp & Dohme Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Merck Sharp & Dohme Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Merck Sharp & Dohme Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New & Used Vehicle Loans
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
Merck Sharp & Dohme Federal Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Merck Sharp & Dohme 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.
8–10-Year-Old Vehicle Loan
Also presented as Older Model Auto Loans. Used vehicles aged 8-10 years only; no used vehicles over 10 years. Qualifying used vehicles model years 2016-2018. Finance used cars and trucks. No appraisal. Pre-approvals available. Refinance of an existing loan is offered. Subject to credit review. My Advantage discount does not apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99% | As low as 6.99% APR for terms up to 60 months. Used vehicles aged 8-10 years only; no used vehicles over 10 years. Qualifying used vehicles model years 2016-2018. Subject to credit review. My Advantage discount does not apply. Estimated payments per $1,000 borrowed at 6.99% APR: $44.77 for 24 months, $30.87 for 36 months, $19.80 for 60 months. |
Collateralized Loan
Auto title to a free and clear vehicle, seven years old or newer. My Advantage discount does not apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | Auto title to a free and clear vehicle, seven years old or newer, for up to 60 months. My Advantage discount does not apply. Footnote payment example cites 5.74% APR ($19.10 per $1,000 for 60 months), which differs from the table APR of 5.49%. |
Sources (1)
- msdfcu.org/rates · captured Oct 16, 2026
Motorcycle Loans
Motorcycle loans up to $40,000 and terms up to 5 years (table) or up to 72 months (product page). My Advantage discount does not apply. Estimated payment per $1,000 borrowed at 6.99% APR is $19.80 for 60 months. Rate subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99% | Up to $40,000 and up to 5 years. Estimated monthly payment per $1,000 borrowed at 6.99% APR is $19.80 for 60 months. My Advantage discount does not apply. |
New & Used Vehicle Loans
New and used vehicle loans; qualifying used vehicles model years 2019-2026. Subject to credit review. My Advantage discount does not apply. Purchase, refinance, and lease buy-out are offered. Pre-approved Express Check available for new or used vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | As low as 4.99% APR for terms up to 60 months. Qualifying used vehicles model years 2019-2026. Subject to credit review. My Advantage discount does not apply. Estimated payment per $1,000 borrowed at 4.99% APR is $18.87 for 60 months. |
| 61–72 months | 5.24% | 5.24% APR for 61 to 72 months. Qualifying used vehicles model years 2019-2026. Subject to credit review. My Advantage discount does not apply. Estimated payment per $1,000 borrowed at 5.24% APR is $16.22 for 72 months. |
| 73–84 months | 5.74% | 5.74% APR for 73 to 84 months. Qualifying used vehicles model years 2019-2026. Subject to credit review. My Advantage discount does not apply. Estimated payment per $1,000 borrowed at 5.74% APR is $14.48 for 84 months. |
Who can join Merck Sharp & Dohme Federal Credit Union
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