Credit union · NCUA insured
Motion Federal Credit Union Auto Loan Rates
Motion Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.20% for a used one. Rates checked October 22, 2026.
How Motion Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Motion Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Motion Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Motion Federal Credit Union auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.20%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Motion 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
Financing up to 100% purchase price. Auto price cannot exceed NADA Value. Auto loans include tax, registration, or other fees. Rates are determined by credit history and payment method. Advertised 'as low as' rates include a 0.25% reduction for automatic payments made from a Motion account.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.35% | Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account. |
| up to 36 months | 4.60% | Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account. |
| up to 48 months | 4.85% | Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account. |
| up to 60 months | 5.00% | Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account. |
| up to 72 months | 5.30% | Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account. |
| up to 84 months | 6.05% | Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account. |
Sources (2)
All captured Oct 4, 2026
Used Auto
Financing up to 100% purchase price. Auto price cannot exceed NADA Value. Maximum term is 6 years. Auto loans include tax, registration, or other fees. Rates are determined by credit history and payment method. Advertised 'as low as' rates include a 0.25% reduction for automatic payments made from a Motion account.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.60% | Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account. |
| up to 36 months | 4.85% | Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account. |
| up to 48 months | 5.00% | Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account. |
| up to 60 months | 5.20% | Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account. |
| up to 72 months | 5.65% | Up to 100% Purchase Price. Maximum term is 6 years. Rate includes 0.25% reduction for automatic payments from Motion account. |
Sources (2)
All captured Oct 4, 2026
Who can join Motion Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of DuPont are eligible for membership.
- Employees of ExxonMobil are eligible for membership.
- Employees of Phillips66 are eligible for membership.
Cost to join
- A deposit of $5 is required to open an account.
Membership information collected October 5, 2026.