Credit union · NCUA insured
NSLFCU Auto Loan Rates
NSLFCU auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How NSLFCU’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where NSLFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NSLFCU
4.49%APR
- Terms
- 49–60 months
New Auto
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
NSLFCU auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.49%
- 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 NSLFCU 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
Minimum amount to borrow is $5,000. Dealership purchases only. Rates quoted assume excellent borrower credit history. Actual APR determined at time of disbursement based on application and credit information. Minimum 6-month membership, one loan permitted, $20 application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | *APR as low as. Rates quoted assume excellent borrower credit history. |
| 49–60 months | 4.49% | *APR as low as. Rates quoted assume excellent borrower credit history. |
| 61–72 months | 4.99% | *APR as low as. Rates quoted assume excellent borrower credit history. |
| 73–84 months | 5.49% | *APR as low as. Rates quoted assume excellent borrower credit history. |
Refinance Auto
For refinancing, only vehicles titled in Maryland, DC, and Virginia will be considered. Minimum amount to borrow is $5,000. Rates quoted assume excellent borrower credit history. Actual APR determined at time of disbursement based on application and credit information. Minimum 6-month membership, one loan permitted, $20 application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | *APR as low as. Only vehicles titled in Maryland, DC, and Virginia will be considered. Rates quoted assume excellent borrower credit history. |
| 37–48 months | 4.49% | *APR as low as. Only vehicles titled in Maryland, DC, and Virginia will be considered. Rates quoted assume excellent borrower credit history. |
| 49–60 months | 4.99% | *APR as low as. Only vehicles titled in Maryland, DC, and Virginia will be considered. Rates quoted assume excellent borrower credit history. |
| 61–72 months | 5.49% | *APR as low as. Only vehicles titled in Maryland, DC, and Virginia will be considered. Rates quoted assume excellent borrower credit history. |
| 73–84 months | 5.99% | *APR as low as. Only vehicles titled in Maryland, DC, and Virginia will be considered. Rates quoted assume excellent borrower credit history. |
Used Auto
Minimum amount to borrow is $5,000. Rates quoted assume excellent borrower credit history. Actual APR determined at time of disbursement based on application and credit information. Minimum 6-month membership, one loan permitted, $20 application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | *APR as low as. Rates quoted assume excellent borrower credit history. |
| 37–48 months | 4.49% | *APR as low as. Rates quoted assume excellent borrower credit history. |
| 49–60 months | 4.99% | *APR as low as. Rates quoted assume excellent borrower credit history. |
| 61–72 months | 5.49% | *APR as low as. Rates quoted assume excellent borrower credit history. |
| 73–84 months | 5.99% | *APR as low as. Rates quoted assume excellent borrower credit history. |
Who can join NSLFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to members of From The Heart Church Ministries nationwide.
Family and household
- Membership is available to immediate family members of members of From The Heart Church Ministries nationwide.
Cost to join
- A $50 deposit is required to establish a Savings Account to open an account and represent ownership stake in the credit union.
Membership information collected October 4, 2026.