Credit union · NCUA insured
Penlanco Federal Credit Union Auto Loan Rates
Penlanco Federal Credit Union auto loans start at 5.05% APR for a new vehicle and 5.05% for a used one. Rates checked October 16, 2026.
How Penlanco Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lancaster, PA, where Penlanco Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Penlanco Federal Credit Union
5.05%APR
- Terms
- up to 60 months
- Up to
- 11.05% APR
New Vehicles
Lowest rate
Wheatland Federal Credit Union
4.49%APR
- Terms
- —
- Up to
- 18.00% APR
2nd-lowest rate
Everence
4.74%APR
- Terms
- up to 60 months
- Up to
- —
Penlanco Federal Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew5.05%
- Used vehicleUsed5.05%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Penlanco 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.
New Vehicles
New Vehicles is defined as previously untitled or the original owner within 6 months of purchase. Rates shown are Annual Percentage Rate (APR), based on borrower(s) TransUnion credit score(s). All Penlanco FCU Auto Loans qualify for Penlanco Perks to earn up to 0.30% off your rate. Borrow up to 110% of the NADA Retail Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.85%–10.85% | Term: 3 years. FICO rate tiers: 730+ FICO is 4.85% APR; 690-729 FICO is 5.35% APR; 650-689 FICO is 6.85% APR; 610-649 FICO is 8.85% APR; <610 FICO is 10.85% APR. |
| up to 60 months | 5.05%–11.05% | Term: 5 years. FICO rate tiers: 730+ FICO is 5.05% APR; 690-729 FICO is 5.55% APR; 650-689 FICO is 7.05% APR; 610-649 FICO is 9.05% APR; <610 FICO is 11.05% APR. |
| up to 72 months | 5.25%–11.25% | Term: 6 years. FICO rate tiers: 730+ FICO is 5.25% APR; 690-729 FICO is 5.75% APR; 650-689 FICO is 7.25% APR; 610-649 FICO is 9.25% APR; <610 FICO is 11.25% APR. |
| up to 84 months | 5.65%–11.65% | Term: 7 years. FICO rate tiers: 730+ FICO is 5.65% APR; 690-729 FICO is 6.15% APR; 650-689 FICO is 7.65% APR; 610-649 FICO is 9.65% APR; <610 FICO is 11.65% APR. |
Sources (1)
- penlancofcu.com/auto-loans · captured Oct 16, 2026
Used Vehicles – 2017 and older
Rates shown are Annual Percentage Rate (APR), based on borrower(s) TransUnion credit score(s). All Penlanco FCU Auto Loans qualify for Penlanco Perks to earn up to 0.30% off your rate. Borrow up to 110% of the NADA Retail Value. No vehicle age maximum.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.35%–11.35% | Term: 3 years. FICO rate tiers: 730+ FICO is 5.35% APR; 690-729 FICO is 5.85% APR; 650-689 FICO is 7.35% APR; 610-649 FICO is 9.35% APR; <610 FICO is 11.35% APR. |
| up to 48 months | 5.55%–11.55% | Term: 4 years. FICO rate tiers: 730+ FICO is 5.55% APR; 690-729 FICO is 6.05% APR; 650-689 FICO is 7.55% APR; 610-649 FICO is 9.55% APR; <610 FICO is 11.55% APR. |
| up to 60 months | 5.75%–11.75% | Term: 5 years. FICO rate tiers: 730+ FICO is 5.75% APR; 690-729 FICO is 6.25% APR; 650-689 FICO is 7.75% APR; 610-649 FICO is 9.75% APR; <610 FICO is 11.75% APR. |
Sources (1)
- penlancofcu.com/auto-loans · captured Oct 16, 2026
Used Vehicles – 2018-2026
Rates shown are Annual Percentage Rate (APR), based on borrower(s) TransUnion credit score(s). All Penlanco FCU Auto Loans qualify for Penlanco Perks to earn up to 0.30% off your rate. Borrow up to 110% of the NADA Retail Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.85%–10.85% | Term: 3 years. FICO rate tiers: 730+ FICO is 4.85% APR; 690-729 FICO is 5.35% APR; 650-689 FICO is 6.85% APR; 610-649 FICO is 8.85% APR; <610 FICO is 10.85% APR. |
| up to 48 months | 5.05%–11.05% | Term: 4 years. FICO rate tiers: 730+ FICO is 5.05% APR; 690-729 FICO is 5.55% APR; 650-689 FICO is 7.05% APR; 610-649 FICO is 9.05% APR; <610 FICO is 11.05% APR. |
| up to 60 months | 5.05%–11.05% | Term: 5 years. FICO rate tiers: 730+ FICO is 5.05% APR; 690-729 FICO is 5.55% APR; 650-689 FICO is 7.05% APR; 610-649 FICO is 9.05% APR; <610 FICO is 11.05% APR. |
| up to 72 months | 5.25%–11.25% | Term: 6 years. FICO rate tiers: 730+ FICO is 5.25% APR; 690-729 FICO is 5.75% APR; 650-689 FICO is 7.25% APR; 610-649 FICO is 9.25% APR; <610 FICO is 11.25% APR. |
| up to 84 months | 5.65%–11.65% | Term: 7 years. FICO rate tiers: 730+ FICO is 5.65% APR; 690-729 FICO is 6.15% APR; 650-689 FICO is 7.65% APR; 610-649 FICO is 9.65% APR; <610 FICO is 11.65% APR. |
Sources (1)
- penlancofcu.com/auto-loans · captured Oct 16, 2026
Who can join Penlanco Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, volunteers, students, clients, or members of participating employer groups and partner organizations are eligible for membership.
Military, government and schools
- Veterans, active-duty military members, and reservists are eligible for membership through partnership with the National Credit Union Coalition for America’s Heroes.
Family and household
- Immediate family (spouse, children, grandchildren, siblings, parents, grandparents, and step-relatives) and household members of current members or individuals eligible for membership are eligible to join.
Membership information collected October 5, 2026.