Credit union · NCUA insured
North East Welch Federal Credit Union Auto Loan Rates
North East Welch Federal Credit Union auto loan rates start at 3.99% APR. Rates checked October 16, 2026.
How North East Welch Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Erie, PA, where North East Welch Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
North East Welch Federal Credit Union
– –
- Terms
- —
No ongoing APR published
Lowest rate
Americo FCU
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Tri State Rail Federal Credit Union
4.49%APR
- Terms
- 49–60 months
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
Limited-Time Refinance Offer. Refinanced auto loan rate may be reduced by 2% APR or to the lowest rate, whichever is better, but no lower than 3.99% APR, and term cannot exceed remaining term of current loan. Existing NEWFCU (or former WAFCU) auto loans are excluded. Proof of rate and term required. Subject to credit qualification and member eligibility.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Rate reduced by 2% APR or to lowest rate, whichever is better, but no lower than 3.99% APR; cannot exceed remaining term of current loan. |
Sources (1)
- newelchfcu.com/auto-loans · captured Oct 7, 2026
Who can join North East Welch 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or attends school in designated towns and villages of Chautauqua County, New York.
- Membership is open to anyone who lives, works, worships, or attends school in designated boroughs and townships of Erie County, Pennsylvania.
Family and household
- Any person living in the same residence with a member who maintains a single economic unit is eligible for membership.
- Immediate family members of an existing member are eligible for membership.
Cost to join
- A fee of $1 is charged to each new member.
- A minimum balance of $5 is required in a primary share account.
Membership information collected October 5, 2026.