Credit union · NCUA insured
PA Central Federal Credit Union Auto Loan Rates
PA Central Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How PA Central Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Harrisburg, PA, where PA Central Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PA Central Federal Credit Union
4.99%APR
- Terms
- up to 84 months
Vehicle Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
3rd-lowest rate
Susquehanna Valley Federal Credit Union
4.99%APR
- Terms
- up to 60 months
PA Central Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- 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 PA Central 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.
Auto Options Auto Loan
Not a lease; borrower owns and titles the vehicle. Available for new vehicles or used vehicles up to 5 years old from the current year. No money down/no down payment required, and no early payoff penalties. Up to 120% LTV financing. End of term options include trade-in, private sale, refinance, or walk away.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 5.49% | Rate is as low as 5.49% APR based on applicant's creditworthiness. Terms range from 36 to 72 months with up to 120% LTV. No down payment required. |
Sources (3)
All captured Oct 6, 2026
Vehicle Loans
Rates and terms are based on creditworthiness and vehicle model year. Financing includes taxes, tags, and registration. Offers up to 120% financing of the sticker price for new vehicles or 120% of retail book value for pre-owned vehicles. Refinance offer applies to vehicle loans from financial institutions other than PA Central.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Rate is as low as 4.99% APR for terms up to 84 months (7 years). Applies to new vehicles, pre-owned/used vehicles, and refinanced vehicle loans from other institutions. |
Sources (4)
All captured Oct 6, 2026
Who can join PA Central 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
- Individuals who live, work, worship, attend school, or conduct business in Dauphin, Cumberland, or Lebanon Counties are eligible for membership.
Family and household
- Individuals who are related to an existing member are eligible for membership.
Membership information collected October 5, 2026.