Credit union · NCUA insured
PAAC Transit Division FCU Auto Loan Rates
PAAC Transit Division FCU auto loans start at 5.24% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How PAAC Transit Division FCU’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where PAAC Transit Division FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PAAC Transit Division FCU
5.24%APR
- Terms
- up to 72 months
- Discount
- None included
New Vehicle Loans
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
PAAC Transit Division FCU auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PAAC Transit Division 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.
New Motorcycle Loans
All rates subject to change, for qualified borrowers. Loans up to $25,000. No pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.00% | — |
| up to 48 months | 8.25% | — |
| up to 60 months | 8.50% | — |
New Vehicle Loans
All rates subject to change, for qualified borrowers. Loans up to $60,000. No pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | — |
| up to 42 months | 5.24% | — |
| up to 54 months | 5.24% | — |
| up to 60 months | 5.24% | — |
| up to 72 months | 5.24% | Only on $25,000 or more. |
Used Vehicle Loans
All rates subject to change, for qualified borrowers. Loans up to $40,000. No pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.74% | 1 year old vehicle. |
| up to 54 months | 5.74% | 2-3 years old vehicle. |
| up to 42 months | 5.74% | 4 years old vehicle. |
| up to 30 months | 5.74% | 5 years old vehicle. |
Who can join PAAC Transit Division FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to employees of the Port Authority of Pittsburgh.
Family and household
- Membership is open to immediate family of current members.
Membership information collected October 5, 2026.