Credit union · NCUA insured
NIHFCU Auto Loan Rates
NIHFCU auto loans start at 4.74% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How NIHFCU’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where NIHFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NIHFCU
4.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loans
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
NIHFCU auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NIHFCU 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 Loan Refinance
Refinance a qualified auto loan from another lender and reduce rate up to 2% through December 31, 2026. Lowest available APR cannot fall below NIHFCU's lowest prevailing rate (currently 4.24%). Vehicle must be 2020 model year or newer, minimum loan balance of $10,000, and no late payments on loan being refinanced for past 9 months. Standard refinance rates also available for vehicles up to 8 years old (2,000-100,000 miles).
| Terms | APR | Conditions |
|---|---|---|
| — | 4.24% | Promotional rate floor for refinancing from another lender (up to 2% rate reduction); loan must be funded by December 31, 2026. Lowest APR of 4.24% applies to loan applicants with excellent credit. Requires vehicle 2020 model year or newer, minimum loan balance $10,000, and no late payments for past 9 months. Includes 0.25% automatic-debit discount. |
| up to 36 months | 4.49% | Standard refinance rate tier. As low as APR. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. |
| up to 48 months | 4.49% | Standard refinance rate tier. As low as APR. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. |
| up to 60 months | 4.99% | Standard refinance rate tier. As low as APR. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. |
| up to 72 months | 5.99% | Standard refinance rate tier. As low as APR. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. |
| up to 84 months | 6.49% | Standard refinance rate tier. As low as APR. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. |
Sources (2)
All captured Oct 22, 2026
New Auto Loans
Current year model or newer untitled vehicles, with up to 2,000 miles. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. Financing up to 125% LTV.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | As low as APR for highly qualified applicants. Includes 0.25% discount for automatic-debit of loan payment from NIHFCU savings or checking account. |
| up to 48 months | 4.24% | As low as APR for highly qualified applicants. Includes 0.25% discount for automatic-debit of loan payment from NIHFCU savings or checking account. |
| up to 60 months | 4.74% | As low as APR for highly qualified applicants. Includes 0.25% discount for automatic-debit of loan payment from NIHFCU savings or checking account. |
| up to 72 months | 5.74% | As low as APR for highly qualified applicants. Includes 0.25% discount for automatic-debit of loan payment from NIHFCU savings or checking account. |
| up to 84 months | 6.24% | As low as APR for highly qualified applicants. Includes 0.25% discount for automatic-debit of loan payment from NIHFCU savings or checking account. |
Sources (1)
- nihfcu.org/personal/loans-cred…ds/auto-loans-buying/new · captured Oct 22, 2026
Used Auto Loans
Current year model or older vehicles of up to 8 years with 2,000-100,000 miles. Vehicles older than 10 years are priced at the Signature Loan rate. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. Financing available up to 125% LTV.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | As low as APR. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. |
| up to 48 months | 4.49% | As low as APR. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. |
| up to 60 months | 4.99% | As low as APR. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. |
| up to 72 months | 5.99% | As low as APR. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. |
| up to 84 months | 6.49% | As low as APR. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. |
Sources (2)
- nihfcu.org/personal/loans-cred…o-loans-buying/refinance
- nihfcu.org/personal/loans-cred…s/auto-loans-buying/used
All captured Oct 22, 2026
Who can join NIHFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Applicants can qualify for NIHFCU membership by accepting a complimentary membership to the American Consumer Council opened on their behalf by NIHFCU.
Employers and groups
- Employees, members, students, faculty, staff, or affiliates of designated NIHFCU@work partner organizations are eligible for membership.
Military, government and schools
- Affiliation with the National Institutes of Health as an employee, contractor, fellow, volunteer, or retiree/pensioner qualifies for membership.
Family and household
- Immediate family members (child, sibling, parent, grandchild, grandparent) or individuals sharing household responsibility with a current NIHFCU member are eligible for membership.
Cost to join
- A required $1 deposit is made by NIHFCU to open membership.
Membership information collected October 4, 2026.