Credit union · NCUA insured
Mountain Laurel Federal Credit Union Auto Loan Rates
Top CarrotMountain Laurel Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked September 26, 2026.
How Mountain Laurel Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bradford, PA, where Mountain Laurel Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mountain Laurel Federal Credit Union
4.49%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
DRIVE4LESS (New 2025 - 2026)
Lowest rate
High Point Federal Credit Union
4.24%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
BRADFORD AREA SCHOOL EMPLOYEES
5.00%APR
- Terms
- up to 60 months
- Up to
- 14.75% APR
- Discount
- None included
Mountain Laurel Federal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mountain Laurel 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.
Auto Loans
Rates may qualify for discounts for having 4+ services with the CU and discounts with Debt Protection/GAP and Mechanical Repair Coverage.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | — |
Sources (1)
- mlfcu.net · captured Sep 17, 2026
DRIVE4LESS (New 2025 - 2026)
No capitalization fees, no acquisition fees, no first or last payment or money due at signing. Annual mileage options of 7,500, 10,000, 12,000, 15,000 & 18,000 available. Option to sell, trade, refinance or payoff without early termination fees, or surrender vehicle at maturity.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | — |
| up to 60 months | 4.49% | — |
| up to 72 months | 4.49% | — |
Sources (2)
All captured Sep 17, 2026
DRIVE4LESS (Used 2020 - 2025)
No capitalization fees, no acquisition fees, no first or last payment or money due at signing. Annual mileage options of 7,500, 10,000, 12,000, 15,000 & 18,000 available. Option to sell, trade, refinance or payoff without early termination fees, or surrender vehicle at maturity.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | — |
| up to 60 months | 4.49% | — |
| up to 72 months | 4.49% | — |
Sources (2)
All captured Sep 17, 2026
New Vehicle (2025- 2026)
Rates may qualify for a 0.50% discount for Member Service Rewards (having 4+ services with CU), 0.125% discount for Debt Protection and/or GAP, and 0.125% discount for Mechanical Repair Coverage.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | — |
| up to 60 months | 3.99% | — |
| up to 72 months | 3.99% | — |
| up to 84 months | 6.50% | — |
Sources (1)
- mlfcu.net/borrowing/auto-loans · captured Sep 17, 2026
Summer Auto Loan
Valid on new and used 2018-2026 vehicles only. Not valid on existing MLFCU auto loans. Terms from 48 to 84 months. Subject to credit approval and membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| 48–72 months | 3.99% | For up to 72 months on new and used 2018 to 2026 models. |
Sources (1)
- mlfcu.net/summer-auto-loan-2 · captured Sep 17, 2026
Used Vehicle (2012 & older)
Max mileage 150,000. Rates may qualify for a 0.50% discount for Member Service Rewards (having 4+ services with CU), 0.125% discount for Debt Protection and/or GAP, and 0.125% discount for Mechanical Repair Coverage.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 10.99% | Max mileage 150,000. |
Sources (1)
- mlfcu.net/borrowing/auto-loans · captured Sep 17, 2026
Used Vehicle (2013 - 2017)
Rates may qualify for a 0.50% discount for Member Service Rewards (having 4+ services with CU), 0.125% discount for Debt Protection and/or GAP, and 0.125% discount for Mechanical Repair Coverage.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.75% | — |
| up to 60 months | 8.50% | Loan amount must be over $10,000. |
Sources (1)
- mlfcu.net/borrowing/auto-loans · captured Sep 17, 2026
Used Vehicle (2018 - 2025)
Rates may qualify for a 0.50% discount for Member Service Rewards (having 4+ services with CU), 0.125% discount for Debt Protection and/or GAP, and 0.125% discount for Mechanical Repair Coverage.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | — |
| up to 60 months | 3.99% | — |
| up to 72 months | 3.99% | — |
| up to 84 months | 6.50% | Only eligible for 2020 and newer vehicles. |
Sources (1)
- mlfcu.net/borrowing/auto-loans · captured Sep 17, 2026
Who can join Mountain Laurel 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
- Persons who live, work, worship, or attend school in Elk, Cameron, McKean, Warren, Potter, or Forest County in Pennsylvania are eligible for membership.
Family and household
- Immediate family members of all current members of Mountain Laurel FCU are eligible for membership.
Cost to join
- An initial deposit of $5.25 is required to establish membership.
Membership information collected October 5, 2026.