Credit union · NCUA insured
Penn State Federal Credit Union Auto Loan Rates
Penn State Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Penn State Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near State College, PA, where Penn State Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Penn State Federal Credit Union
4.99%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- None included
New Vehicle
Lowest rate
Timberland Federal Credit Union
4.99%APR
- Terms
- 61–72 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Penn State Federal Credit Union auto loan score
78
Auto loan score
Higher than 47% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Penn State 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 Vehicle
Valid on new 2025 and 2026 vehicle and motorcycle loans with mileage less than 10,000 miles and clean title. Requires title lien and full coverage insurance. Subject to credit approval; rates dependent on credit history, vehicle year, make, model, and NADA value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 4.500% to 15.490%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available. |
| 37–48 months | 4.75% | Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 4.500% to 15.490%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available. |
| 49–60 months | 4.99% | Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 4.500% to 15.490%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available. |
| 61–72 months | 5.49% | Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 4.500% to 15.490%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available. |
| 73–84 months | 5.99% | Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 4.500% to 15.490%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available. |
Sources (2)
All captured Oct 6, 2026
Used Vehicles and Motorcycles (2018 and older)
Valid on used 2018 and older vehicle and motorcycle loans (more than seven model years old). Requires title lien and full coverage insurance. Subject to credit approval; rates dependent on credit history, vehicle year, make, model, and NADA value.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.50% | Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 6.500% to 17.000%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available. |
| 25–36 months | 7.00% | Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 6.500% to 17.000%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available. |
| 37–60 months | 7.50% | Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 6.500% to 17.000%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available. |
Sources (2)
All captured Oct 6, 2026
Used Vehicles and Motorcycles (2019 to 2025)
Valid on used 2019 to 2025 vehicle and motorcycle loans up to six model years old. Requires title lien and full coverage insurance. Subject to credit approval; rates dependent on credit history, vehicle year, make, model, and NADA value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 5.250% to 15.750%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available. |
| 37–48 months | 5.74% | Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 5.250% to 15.750%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available. |
| 49–60 months | 5.99% | Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 5.250% to 15.750%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available. |
| 61–72 months | 6.25% | Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 5.250% to 15.750%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available. |
Sources (2)
All captured Oct 6, 2026
Who can join Penn State Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals who work for eligible partner local companies are eligible for membership.
- Individuals who work for Penn State Federal Credit Union are eligible for membership.
Military, government and schools
- Individuals who are a friend (or member) of the Centre County Chapter of the Penn State Alumni Association are eligible for membership.
- Individuals who work for, attend class at, or are retired from Penn State University are eligible for membership.
Family and household
- Family members or persons living in the same household as an eligible individual are eligible to join.
Membership information collected October 5, 2026.