Credit union · NCUA insured
North Penn FCU Auto Loan Rates
North Penn FCU auto loans start at 4.89% APR for a new vehicle. Rates checked October 16, 2026.
How North Penn FCU’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where North Penn FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
North Penn FCU
4.89%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Auto Loans (2024-2026)
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
North Penn FCU auto loan score
78
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where North Penn FCU 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.
Classic Cars
For vehicles 20+ years older than current model year. Loans up to 100% of appraised value. Recent pictures required. Advertised rates for "AA" credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.49% | Advertised rate for "AA" credit. Monthly payment $31.11 per $1,000 borrowed. Loans up to 100% of appraised value. Recent pictures are required. |
| up to 48 months | 8.49% | Advertised rate for "AA" credit. Monthly payment $24.65 per $1,000 borrowed. Loans up to 100% of appraised value. Recent pictures are required. |
Sources (1)
- northpennfcu.org/loans-1 · captured Oct 16, 2026
New Auto Loans (2024-2026)
For model years 2024-2026. Rates determined by credit score; advertised rates are for "AA" credit. Actual rate may vary. Finance up to 100% of NADA retail value.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.89% | Advertised rate for "AA" credit. Monthly payment $22.99 per $1,000 borrowed. Loans up to 100% of NADA value. |
| up to 60 months | 4.89% | Advertised rate for "AA" credit. Monthly payment $18.83 per $1,000 borrowed. Loans up to 100% of NADA value. |
| up to 72 months | 5.24% | Advertised rate for "AA" credit. Monthly payment $16.23 per $1,000 borrowed. Loans up to 100% of NADA value. |
| up to 84 months | 5.74% | Advertised rate for "AA" credit. Monthly payment $14.49 per $1,000 borrowed. Loans up to 100% of NADA value. |
Sources (1)
- northpennfcu.org/loans-1 · captured Oct 16, 2026
Older Used Auto Loans (2020 and older)
For model years 2020 and older. Rates determined by credit score; advertised rates are for \"AA\" credit. Actual rate may vary. Finance up to 100% of the value of the vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.23% | Advertised rate for \"AA\" credit. Monthly payment $44.44 per $1,000 borrowed. Loans up to 100% of the value of the vehicle. |
| up to 36 months | 6.48% | Advertised rate for \"AA\" credit. Monthly payment $30.65 per $1,000 borrowed. Loans up to 100% of the value of the vehicle. |
Sources (1)
- northpennfcu.org/loans-1 · captured Oct 16, 2026
Title Loans/Refinanced Loans
Using a clear car title for collateral or refinancing a current NPFCU auto loan. Loans up to 100% of NADA retail value.
| Terms | APR | Conditions |
|---|---|---|
| — | 9.75% | Term based on year of vehicle. Advertised rate for "AA" credit. Loans up to 100% of the NADA value of the vehicle. |
Sources (1)
- northpennfcu.org/loans-1 · captured Oct 16, 2026
Used Auto Loans (2021-2023)
For model years 2021-2023. Rates determined by credit score; advertised rates are for \"AA\" credit. Actual rate may vary. Finance up to 100% of NADA retail value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Advertised rate for \"AA\" credit. Monthly payment $30.20 per $1,000 borrowed. Loans up to 100% of NADA value. |
| up to 48 months | 5.49% | Advertised rate for \"AA\" credit. Monthly payment $23.26 per $1,000 borrowed. Loans up to 100% of NADA value. |
Sources (1)
- northpennfcu.org/loans-1 · captured Oct 16, 2026
Who can join North Penn FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of a group of member companies.
Family and household
- Family members related to a credit union member by blood or marriage.
Cost to join
- Initial deposit of $5.00 or more into a base share account, with a required minimum active balance of $100.00.
Membership information collected October 5, 2026.