Credit union · NCUA insured
Penn East Federal Credit Union Auto Loan Rates
Penn East Federal Credit Union auto loans start at 5.74% APR for a new vehicle and 6.24% for a used one. Rates checked October 16, 2026.
How Penn East Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Scranton, PA, where Penn East Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Penn East Federal Credit Union
5.74%APR
- Terms
- 49–60 months
Auto Loans 2024 - Newer
Lowest rate
UFCW Community Federal Credit Union
3.70%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Penn East Federal Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Penn East 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 Loans 2024 - Newer
Finance up to 100% of vehicle value. Rates and terms subject to credit score approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | For 2024 and newer model year vehicles. |
| 37–48 months | 5.49% | For 2024 and newer model year vehicles. |
| 49–60 months | 5.74% | For 2024 and newer model year vehicles. |
| 61–72 months | 5.99% | For 2024 and newer model year vehicles. |
| 73–84 months | 6.24% | For 2024 and newer model year vehicles. |
Used Auto Loan – 2018-2019-2020 Model Year
Finance up to 100% of vehicle value. Rates and terms subject to credit score approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.74% | For 2018-2020 model year vehicles. |
| 37–48 months | 6.99% | For 2018-2020 model year vehicles. |
| 49–60 months | 7.24% | For 2018-2020 model year vehicles. |
Used Auto Loan – 2021-2022-2023 Model Year
Finance up to 100% of vehicle value. Rates and terms subject to credit score approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | For 2021-2023 model year vehicles. |
| 37–48 months | 5.99% | For 2021-2023 model year vehicles. |
| 49–60 months | 6.24% | For 2021-2023 model year vehicles. |
| 61–72 months | 6.49% | For 2021-2023 model year vehicles. |
Who can join Penn East 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
- Individuals who live, work, or worship in Lackawanna, Luzerne, Wayne, or Wyoming counties in Pennsylvania are eligible for membership.
Membership information collected October 5, 2026.