Credit union · NCUA insured
Mid-Atlantic Federal Credit Union Auto Loan Rates
Mid-Atlantic Federal Credit Union auto loans start at 6.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Mid-Atlantic Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Mid-Atlantic Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mid-Atlantic Federal Credit Union
6.49%APR
- Terms
- up to 96 months
- Discount
- Included in the rate
New Auto Loan (New Car Only)
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Mid-Atlantic Federal Credit Union auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew6.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mid-Atlantic 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.
Motorcycles
Credit Union must be shown as lienholder and loss payee on full coverage insurance declaration policy, with a maximum deductible amount of $500. Pre-approvals are good for up to 60 days. Vehicle is held as security; copy of purchase order showing serial and key numbers is required. Maximum term for amounts less than $10,000 is 48 months; for amounts greater than $10,000, maximum term is 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.99% | Lowest rate available; requires Auto Pay. Up to 100% financing of a new motorcycle's purchase price, including tags, taxes, title fees and extended warranties. |
| up to 60 months | 8.75% | Lowest rate available; requires Auto Pay. Up to 100% of a used motorcycle's JD Power clean value, not to exceed current model year + 5 years (accessories not included). |
Sources (2)
All captured Oct 22, 2026
New Auto Loan (New Car Only)
New car only.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 6.49% | Lowest rate available; requires Auto Pay. New car only. |
Sources (1)
- mafcu.org/services-tools/tools/rates.html · captured Oct 22, 2026
New/Used Auto Loan
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Lowest rate available; requires Auto Pay. |
| up to 48 months | 5.24% | Lowest rate available; requires Auto Pay. |
| up to 60 months | 5.49% | Lowest rate available; requires Auto Pay. |
| up to 72 months | 5.49% | Lowest rate available; requires Auto Pay. |
| up to 84 months | 5.74% | Lowest rate available; requires Auto Pay. |
Sources (1)
- mafcu.org/services-tools/tools/rates.html · captured Oct 22, 2026
Who can join Mid-Atlantic Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Montgomery County, Maryland are eligible for membership.
Employers and groups
- Businesses in Montgomery County are eligible to join and offer credit union membership as an employee benefit.
Family and household
- Immediate family members (spouse, children, parents, grandparents, grandchildren, siblings) and those living in the same household of eligible individuals are eligible for membership.
Cost to join
- A $5 deposit into a MAFCU savings account is required for membership.
Membership information collected October 4, 2026.