Credit union · NCUA insured
Navy Federal Credit Union Auto Loan Rates
Top CarrotNavy Federal Credit Union auto loans start at 4.29% APR for a new vehicle and 5.29% for a used one. Rates checked October 15, 2026.
How Navy Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Navy Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
New Auto Loan
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
Navy Federal Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.29%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Navy Federal Credit Union ranks
By auto loan score, in each area where it has branches
- #16 of 76Washington-Arlington-Alexandria, DC-VA-MD-WV metro48
- #4 of 27Virginia Beach-Chesapeake-Norfolk, VA-NC metro33
- #2 of 24San Diego-Chula Vista-Carlsbad, CA metro27
- #12 of 38Atlanta-Sandy Springs-Roswell, GA metro15
- #17 of 76Dallas-Fort Worth-Arlington, TX metro13
- #9 of 42Riverside-San Bernardino-Ontario, CA metro11
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 Loan
Advertised 'as low as' APRs assume excellent credit history; actual APR based on credit history, loan type, model year (2025 and newer), mileage, term, and loan amount. Maximum APR is 18.00%. Membership required (18+). Loan terms greater than 84 months require under 7,500 miles and a minimum loan amount of $30,000. Exclusive military discount available with direct deposit.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 3.89% | As low as rate for 12-36 months on new vehicles (2025 and newer model years). Assumes excellent credit. |
| 37–60 months | 4.29% | As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit. |
| 61–72 months | 4.59% | As low as rate for 61-72 months on new vehicles (2025 and newer model years). Assumes excellent credit. |
| 73–84 months | 5.99% | As low as rate for 73-84 months on new vehicles (2025 and newer model years). Assumes excellent credit. |
| 85–96 months | 7.39% | As low as rate for 85-96 months on new vehicles (2025 and newer model years). Only available for vehicles with fewer than 7,500 miles. Minimum loan amount $30,000. Assumes excellent credit. |
Sources (3)
- navyfederal.org/rates.html
- navyfederal.org/loans-cards/auto-loans.html
- navyfederal.org/loans-cards/auto-loans/auto-rates.html
All captured Oct 4, 2026
Used Auto Loan
Used vehicles defined as 2024 and older model years or any model year with over 30,000 miles. Vehicles 20 years or older are subject to Other Eligible Vehicle rates. Advertised 'as low as' APRs assume excellent credit history; actual APR based on credit history, loan type, model year, mileage, term, and loan amount. Maximum APR is 18.00%. Membership required (18+). Exclusive military discount available with direct deposit.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.79% | As low as rate for 12-36 months on used vehicles (2024 and older model years or >30,000 miles). Assumes excellent credit. |
| 37–60 months | 5.29% | As low as rate for 37-60 months on used vehicles (2024 and older model years or >30,000 miles). Assumes excellent credit. |
| 61–72 months | 5.39% | As low as rate for 61-72 months on used vehicles (2024 and older model years or >30,000 miles). Assumes excellent credit. |
| 73–84 months | 6.98% | As low as rate for 73-84 months on used vehicles (2024 and older model years or >30,000 miles). Assumes excellent credit. |
Sources (3)
- navyfederal.org/rates.html
- navyfederal.org/loans-cards/auto-loans.html
- navyfederal.org/loans-cards/auto-loans/auto-rates.html
All captured Oct 4, 2026
Who can join Navy Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Department of Defense civilian personnel are eligible for membership, including DoD civilian employees, U.S. Government employees assigned to DoD installations, DoD contractors assigned to U.S. Government installations, and DoD civilian retirees and annuitants.
- Servicemembers in all branches of the armed forces—including Active Duty (Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard, Space Force), Delayed Entry Program (DEP), DoD Officer Candidate/ROTC, DoD Reservists, as well as veterans, retirees, and annuitants—are eligible for membership.
Family and household
- Immediate family members (parents, grandparents, spouses, siblings, children including adopted and stepchildren, grandchildren) and household members of eligible persons are eligible for membership.
Cost to join
- A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.
Membership information collected October 4, 2026.