Credit union · NCUA insured
PALCO Federal Credit Union Auto Loan Rates
Top CarrotPALCO Federal Credit Union auto loans start at 4.89% APR for a new vehicle and 4.89% for a used one. Rates checked October 6, 2026.
How PALCO Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Williamsport, PA, where PALCO Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PALCO Federal Credit Union
4.89%APR
- Terms
- up to 60 months
- Discount
- None included
Vehicle Loans - Up to 110% LTV
Lowest rate
Wyrope Williamsport FCU
4.00%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
West Branch Valley Federal Credit Union
4.24%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
PALCO Federal Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.89%
- Used vehicleUsed4.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PALCO 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.
Vehicle Loans - Up to 110% LTV
Up to 110% LTV based on NADA retail or MSRP. Rates can vary based on age of collateral, creditworthiness, loan-to-value, and loan term. Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.44% | Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines. |
| up to 48 months | 4.69% | Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines. |
| up to 60 months | 4.89% | Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines. |
| up to 72 months | 5.44% | Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines. |
| up to 84 months | 5.69% | 84 months term must be $20,000 min amount financed. Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines. |
| up to 96 months | 6.69% | 96 months term must be $40,000 min amount financed. Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines. |
| up to 120 months | 6.89% | 120 months term must be $40,000 min amount financed. Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines. |
Sources (1)
- palcofcu.org/loan-rates · captured Sep 17, 2026
Vehicle Loans - Up to 130% LTV
Up to 130% LTV based on NADA retail or MSRP. Rates can vary based on the age of the collateral, credit worthiness, loan-to-value, and length of loan. Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 125,000 for gas engines and 175,000 for diesel engines.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 125,000 for gas engines and 175,000 for diesel engines. |
| up to 48 months | 5.24% | Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 125,000 for gas engines and 175,000 for diesel engines. |
| up to 60 months | 5.64% | Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 125,000 for gas engines and 175,000 for diesel engines. |
| up to 72 months | 5.74% | Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 125,000 for gas engines and 175,000 for diesel engines. |
| up to 84 months | 6.24% | *84 months term must be $20,000 min amount financed and only on 5-year-old or newer Maximum mileage: 125,000 for gas engines and 175,000 for diesel engines. The above published rates can vary based on the age of the collateral, credit worthiness, loan-to-value, and length of loan. Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. |
Sources (1)
- palcofcu.org/loan-rates · captured Oct 6, 2026
Who can join PALCO 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
- Membership is open to individuals who live, worship, work, regularly conduct business, or attend school in the rural districts of Bradford, Columbia, Lycoming, Montour, Northumberland, Sullivan, Tioga, or Union counties, Pennsylvania.
Cost to join
- It is free to sign up for membership.
Membership information collected October 5, 2026.