Credit union · NCUA insured
NASA Federal Credit Union Auto Loan Rates
Top CarrotNASA Federal Credit Union auto loans start at 5.54% APR for a new vehicle and 5.54% for a used one. Rates checked October 22, 2026.
How NASA Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where NASA Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NASA Federal Credit Union
5.54%APR
- Terms
- 37–63 months
Auto Loans
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
NASA Federal Credit Union auto loan score
72
Auto loan score
Higher than 30% of U.S. banks and credit unions
- New vehicleNew5.54%
- Used vehicleUsed5.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NASA 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
Available for purchasing new or used vehicles (rates are the same for new and used vehicles up to 5 years old) or refinancing. No payment is required for 60 days (interest accrues during deferral). No prepayment penalties. Credit approval and membership eligibility required. APR is based on creditworthiness; older model vehicles have higher rates (+1% for model years 2016-2021, +2% for model years 2015 and older). Refinancing an existing NASA FCU fixed-rate loan requires a $1,000 cash out, minimum refinance of $5,000, and rate verification (permitted one time only).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.94% | Floor / as low as APR for new and used vehicles up to 5 years old. Model years 2016-2021 are 1% higher; model years <= 2015 are 2% higher. No payment required for 60 days (interest accrues). Refinance of existing NASA FCU loan requires $1,000 cash out and minimum $5,000. No prepayment penalties. |
| 37–63 months | 5.54% | Floor / as low as APR for new and used vehicles up to 5 years old. Model years 2016-2021 are 1% higher; model years <= 2015 are 2% higher. No payment required for 60 days (interest accrues). Refinance of existing NASA FCU loan requires $1,000 cash out and minimum $5,000. No prepayment penalties. |
| 64–75 months | 6.39% | Floor / as low as APR for new and used vehicles up to 5 years old. Model years 2016-2021 are 1% higher; model years <= 2015 are 2% higher. No payment required for 60 days (interest accrues). Refinance of existing NASA FCU loan requires $1,000 cash out and minimum $5,000. No prepayment penalties. |
| 76–84 months | 7.24% | Floor / as low as APR for new and used vehicles up to 5 years old. Model years 2016-2021 are 1% higher; model years <= 2015 are 2% higher. No payment required for 60 days (interest accrues). Refinance of existing NASA FCU loan requires $1,000 cash out and minimum $5,000. No prepayment penalties. |
Sources (2)
- nasafcu.com/personal/auto-rv-loans/auto-loans
- nasafcu.com/personal/auto-rv-l…to-loans/auto-loan-rates
All captured Oct 4, 2026
Who can join NASA Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.