Credit union · NCUA insured
Northrop Grumman Federal Credit Union Auto Loan Rates
Northrop Grumman Federal Credit Union auto loans start at 4.99% APR for a new vehicle. Rates checked October 16, 2026.
How Northrop Grumman Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Northrop Grumman Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northrop Grumman Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto – FIXED
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Northrop Grumman Federal Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northrop Grumman 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.
New Auto – FIXED
Financing up to 100% of the purchase price, including Mechanical Breakdown Protection, tax and license. Fixed interest rates with simple interest calculation. No pre-payment penalty, no application fee, no documentation fee. Lowest rates displayed are for Tier 1 credit and include a discount for automatic payment from an NGFCU checking or savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $29.93 per $1,000 borrowed. |
| up to 48 months | 4.84% | Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $23.11 per $1,000 borrowed. |
| up to 60 months | 4.99% | Minimum loan amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $19.00 per $1,000 borrowed. |
| up to 72 months | 5.09% | Minimum loan amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $16.26 per $1,000 borrowed. |
| up to 84 months | 5.74% | Minimum loan amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $14.60 per $1,000 borrowed. |
Used Auto / Refi – FIXED
Financing for 100% of the purchase price or Blue Book value, plus tax and license. Fixed interest rates with simple interest calculation. No pre-payment penalty, no application fee, no documentation fee. Lowest rates displayed are for Tier 1 credit and include a discount for automatic payment from an NGFCU checking or savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $29.93 per $1,000 borrowed. |
| up to 48 months | 5.24% | Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $23.11 per $1,000 borrowed. |
| up to 60 months | 5.24% | Minimum loan amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $19.12 per $1,000 borrowed. |
| up to 72 months | 5.49% | Minimum loan amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $16.46 per $1,000 borrowed. |
| up to 84 months | 6.04% | Minimum loan amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $14.75 per $1,000 borrowed. |
Who can join Northrop Grumman Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to employees of Metro, Los Angeles County.
- Membership is available to employees of METROLINK (Southern California Regional Rail Authority).
- Membership is available to employees of NGFCU, Northrop Grumman Corporation, and its subsidiaries.
- Membership is available to retirees or annuitants from NGFCU, Northrop Grumman Corporation and its subsidiaries, Metro (Los Angeles County), or METROLINK (Southern California Regional Rail Authority).
- Membership is available to members of the Southern California Historical Aviation Foundation (SCHAF).
Family and household
- Membership is available to immediate family members of an NGFCU member, including the spouse of a family member who passed away within credit union membership eligibility.
Membership information collected October 5, 2026.