Credit union · NCUA insured
Patriot Federal Credit Union Auto Loan Rates
Top CarrotPatriot Federal Credit Union auto loans start at 6.74% APR for a new vehicle and 6.74% for a used one. Rates checked October 17, 2026.
How Patriot Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chambersburg, PA, where Patriot Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Patriot Federal Credit Union
6.74%APR
- Terms
- up to 63 months
- Up to
- —
New & Used Auto Loans
Lowest rate
1st Ed Credit Union
5.15%APR
- Terms
- 37–60 months
- Up to
- —
2nd-lowest rate
Corning Credit Union
5.74%APR
- Terms
- —
- Up to
- 17.99% APR
Patriot Federal Credit Union auto loan score
62
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew6.74%
- Used vehicleUsed6.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Patriot 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 Loan Refinance
Refinance of an existing vehicle loan. Up to 100% financing (100% LTV) on the Auto Loans schedule. APR shown is as low as for credit scores 735 or higher and is based on vehicle model year and mileage. Subject to credit approval. Requires current registration or title, 15-day written payoff, insurance, and government-issued photo ID. Patriot requires full coverage insurance with maximum $1,000 comprehensive and $1,000 collision deductibles and Patriot listed as lienholder.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 6.74% | Refinance; as low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term up to 63 months. |
| 64–75 months | 6.89% | Refinance; as low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term 64-75 months. |
| 76–84 months | 7.39% | Refinance; as low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term 76-84 months. |
Sources (3)
- patriotfcu.org/personal/vehicle-loans-car-buying
- patriotfcu.org/personal/vehicl…ans-car-buying/refinance
- patriotfcu.org/rates
All captured Oct 16, 2026
Motorcycle Loans
Rates from the combined Motorcycle, Camper, RV & Boat Loans (100% LTV) schedule; motorcycle is the in-scope product. APR shown is as low as for credit scores 735 or higher and is based on vehicle model year and mileage. Up to 100% financing. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 7.99% | As low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term up to 63 months. Same published schedule also lists camper, RV, and boat. |
| 64–75 months | 8.14% | As low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term 64-75 months. Same published schedule also lists camper, RV, and boat. |
| 76–84 months | 9.14% | As low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term 76-84 months. Same published schedule also lists camper, RV, and boat. |
Sources (1)
- patriotfcu.org/rates · captured Oct 16, 2026
New & Used Auto Loans
New and used cars, trucks, and vans; dealership and credit union financing. Up to 100% financing (100% LTV). APR shown is as low as for credit scores 735 or higher and is based on vehicle model year and mileage. Subject to credit approval. Patriot requires full coverage insurance with maximum $1,000 comprehensive and $1,000 collision deductibles and Patriot listed as lienholder.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 6.74% | As low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term up to 63 months. |
| 64–75 months | 6.89% | As low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term 64-75 months. |
| 76–84 months | 7.39% | As low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term 76-84 months. |
Who can join Patriot Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.