Credit union · NCUA insured
Patent and Trademark Office CU Auto Loan Rates
Patent and Trademark Office CU auto loans start at 4.99% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Patent and Trademark Office CU’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Patent and Trademark Office CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Patent and Trademark Office CU
4.99%APR
- Terms
- 60–84 months
- Up to
- 7.49% APR
New Automobile greater than $75,000
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
Patent and Trademark Office CU auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- 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 Patent and Trademark Office CU 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 Loan
Rate as low as 4.74% APR. Maximum loan amount $75,000. Terms up to 60 months. Rates apply to qualified borrowers on approved credit. Other terms and conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.74% | Maximum loan amount $75,000. Terms up to 60 months. Rates apply to qualified borrowers on approved credit. Other terms and conditions may apply. |
Sources (1)
- ptofcu.org/borrow/current-promotions · captured Oct 22, 2026
New Automobile greater than $75,000
New Automobile greater than $75,000. (2027-2023) Used Auto - 100% NADA Retail Value plus taxes and tags. Rate based on evaluation of credit history. Max. finance amt. $150,000.
| Terms | APR | Conditions |
|---|---|---|
| 60–84 months | 4.99%–7.49% | Amount financed 125.00%. Rate based on evaluation of credit history. Max. finance amt. $150,000. |
Sources (1)
- ptofcu.org/borrow/loan-rates · captured Oct 22, 2026
New/Used Automobile 100% Or Less Financing
Financing 100% or less. (2027, 2026, 2025) Used Auto - 100% NADA Retail Value plus taxes and tags. Rate based on evaluation of credit history. Fixed rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.74%–8.24% | 100.00% amount financed. Rate based on evaluation of credit history. Fixed rate. |
| up to 60 months | 4.99%–11.24% | 100.00% amount financed. Rate based on evaluation of credit history. Fixed rate. |
| up to 72 months | 5.24%–9.24% | 100.00% amount financed. Rate based on evaluation of credit history. Fixed rate. |
| up to 84 months | 5.49%–9.74% | 100.00% amount financed. Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term. Fixed rate. |
Sources (1)
- ptofcu.org/borrow/loan-rates · captured Oct 22, 2026
New/Used Motorcycles 100% Or Less Financing
(2026-2020 Used Motorcycles - 100% NADA Retail Value plus taxes and tags). Fixed rate. No minimum New/Used Motorcycles.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 13.24% | Amount financed 100.00% NADA Retail value. Fixed rate. No minimum New/Used Motorcycles. |
Sources (1)
- ptofcu.org/borrow/loan-rates · captured Oct 22, 2026
Refinance Auto Special
Finance 125% if Gap or Warranty included. Refinance within 6 months of purchase. Refinance new or used (2025-2026). No payments up to 60 days. Does not refinance PTOFCU loans. Rates apply to qualified borrowers on approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.24% | Finance 125% if Gap or Warranty included. Terms up to 60 months. Refinance within 6 months of purchase. Refinance new or used (2025-2026). No payments up to 60 days. We do not refinance PTOFCU loans. |
Sources (1)
- ptofcu.org/borrow/current-promotions · captured Oct 22, 2026
Used Automobile 100% Or Less Financing
Financing 100% or less. (2023, 2022, 2021, 2020) Used Auto - 100% NADA Retail Value plus taxes and tags. Rate based on evaluation of credit history. Fixed rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.54%–8.24% | Amount financed 100% NADA Retail Value. Rate based on evaluation of credit history. Fixed rate. |
| up to 60 months | 5.74%–12.24% | Amount financed 100% NADA Retail Value. Rate based on evaluation of credit history. Fixed rate. |
| up to 72 months | 6.04%–10.74% | Amount financed 100% NADA Retail Value. Rate based on evaluation of credit history. Min. finance amt $30,000. Fixed rate. |
Sources (1)
- ptofcu.org/borrow/loan-rates · captured Oct 22, 2026
Who can join Patent and Trademark Office CU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the Patent & Trademark Office are eligible for membership.
- Employees of the National Science Foundation are eligible for membership.
- Persons retired from the Patent & Trademark Office and the National Science Foundation are eligible for membership.
- All contractors for the Patent & Trademark Office and the National Science Foundation are eligible for membership.
Family and household
- Family members of current members related by blood or marriage are eligible for membership.
- Family members of eligible non-members are eligible for membership.
1 more way to join
Other ways
- Organizations of primary share accountholders are eligible for membership.
Cost to join
- A deposit of $25.00 to the primary share account is required upon opening membership.
Membership information collected October 4, 2026.