Credit union · NCUA insured
Moonlight FCU Auto Loan Rates
Moonlight FCU auto loans start at 4.29% APR for a new vehicle and 5.09% for a used one. Rates checked October 16, 2026.
How Moonlight FCU’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Moonlight FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Moonlight FCU
4.29%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
Moonlight FCU auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.29%
- Used vehicleUsed5.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Moonlight FCU 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.
Auto Loans
Rates based on vehicle model year and term; additional discounts may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.29% | Vehicle model year: 2024-2026 |
| up to 66 months | 4.59% | Vehicle model year: 2024-2026 |
| up to 72 months | 4.79% | Vehicle model year: 2024-2026 |
| up to 84 months | 4.99% | Vehicle model year: 2024-2026 |
| up to 60 months | 5.09% | Vehicle model year: 2022-2026 (used) |
| up to 66 months | 5.29% | Vehicle model year: 2022-2026 (used) |
| up to 72 months | 5.49% | Vehicle model year: 2022-2026 (used) |
| up to 84 months | 5.79% | Vehicle model year: 2022-2026 (used) |
| up to 60 months | 5.59% | Vehicle model year: 2021 (used) |
| up to 72 months | 6.89% | Vehicle model year: 2021 (used) |
| up to 60 months | 6.29% | Vehicle model year: 2019-2020 |
| up to 72 months | 7.29% | Vehicle model year: 2019-2020 |
| up to 36 months | 7.00% | Vehicle model year: 2015-2017 |
| up to 36 months | 7.75% | Vehicle model year: 2008-2014 |
Sources (1)
- moonlightfcu.com/loan-rates · captured Oct 7, 2026
Who can join Moonlight FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to businesses and other legal entities in Armstrong County.
- Membership is open to persons who live in Armstrong County.
- Membership is open to persons who attend school in Armstrong County.
- Membership is open to persons who regularly work in Armstrong County.
- Membership is open to persons who worship in Armstrong County.
Family and household
- Membership is open to persons who are members of the immediate family of a member of the credit union.
Cost to join
- A minimum share deposit of $1.00 is required at the time the account is opened.
Membership information collected October 5, 2026.