Credit union · NCUA insured
Money One Federal Credit Union Auto Loan Rates
Money One Federal Credit Union auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Money One Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Money One Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Money One Federal Credit Union
5.99%APR
- Terms
- up to 60 months
Car or Truck (new or used)
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Money One Federal Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Money One 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.
Car or Truck (new or used)
Financing up to 135% of Car Value. APR varies depending on individual credit history, term length, and percentage of purchase price. Lowest rate displayed; not all applicants qualify for the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24% | Up to 135% of Car Value. |
| up to 36 months | 4.49% | Up to 135% of Car Value. |
| up to 48 months | 5.74% | Up to 135% of Car Value. |
| up to 60 months | 5.99% | Up to 135% of Car Value (Minimum $15,000). |
| up to 72 months | 6.49% | Up to 135% of Car Value (Minimum $35,000). |
| up to 84 months | 7.24% | Up to 135% of Car Value (Minimum $45,000). |
Motorcycle
Annual Percentage Rate varies depending on individual credit history, term length and percentage of purchase price. Rate displayed is the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| — | 10.50% | — |
Who can join Money One 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This may be incomplete or out of date, so check with the credit union before you apply.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 in specified zip codes (20607, 20608, 20613, 20623, 20705, 20706, 20707, 20708, 20710, 20712, 20715, 20716, 20720, 20721, 20722, 20735, 20737, 20740, 20743, 20744, 20745, 20746, 20747, 20748, 20762, 20769, 20770, 20772, 20774, 20781, 20782, 20783, 20784, or 20785) can join Money One.
Employers and groups
- Individuals associated with any of nearly 100 approved employers, churches, and organizations are eligible for membership.
Family and household
- Individuals are eligible if any immediate family member (grandparents, parents, siblings including step, children, grandchildren) or household member is a member or eligible to join.
Other ways
- Individuals can qualify for membership by joining Gifts for Easter Seals via donation form and bringing proof to a branch location.
Membership information collected October 4, 2026.