Credit union · NCUA insured
Peoples Federal Credit Union Auto Loan Rates
Peoples Federal Credit Union auto loans start at 4.55% APR for a new vehicle and 4.80% for a used one. Rates checked October 22, 2026.
How Peoples Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charleston, WV, where Peoples Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Peoples Federal Credit Union
4.30%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
New Auto
Lowest rate
Charleston FCU
4.25%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
3rd-lowest rate
Union Trades Federal Credit Union
4.50%APR
- Terms
- —
- Discount
- None included
Peoples Federal Credit Union auto loan score
87
Auto loan score
Higher than 78% of U.S. banks and credit unions
- New vehicleNew4.55%
- Used vehicleUsed4.80%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Peoples 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 Auto
Flexible terms up to 84 months. No monthly fees or prepayment penalties. Available to individuals who live, work, worship, volunteer, or attend school in Kanawha, Mason, and Putnam counties in WV, businesses and other legal entities located in these areas, and immediate family members.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.05% | Standard rate as low as. Rate is based on approved credit and subject to change with length of term and credit rating. |
| up to 84 months | 4.55% | With Peoples Preferred Club enrollment (0.50% discount off qualified rate). Rate is based on approved credit and subject to change with length of term and credit rating. |
| up to 84 months | 4.30% | With Peoples Preferred Club enrollment (0.50% discount) and Pre-Approval (0.25% discount). Rate is based on approved credit and subject to change with length of term and credit rating. |
Sources (3)
- peoplesfcu.com/p/borrow/auto-loans
- peoplesfcu.com/p/save/savings-accounts
- peoplesfcu.com/p/manage/current-rates
All captured Oct 4, 2026
Used Auto
Flexible terms up to 84 months. No monthly fees or prepayment penalties. Available to individuals who live, work, worship, volunteer, or attend school in Kanawha, Mason, and Putnam counties in WV, businesses and other legal entities located in these areas, and immediate family members.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.55% | Standard rate as low as. Rate is based on approved credit and subject to change with length of term and credit rating. |
| up to 84 months | 5.05% | With Peoples Preferred Club enrollment (0.50% discount off qualified rate). Rate is based on approved credit and subject to change with length of term and credit rating. |
| up to 84 months | 4.80% | With Peoples Preferred Club enrollment (0.50% discount) and Pre-Approval (0.25% discount). Rate is based on approved credit and subject to change with length of term and credit rating. |
Sources (3)
- peoplesfcu.com/p/borrow/auto-loans
- peoplesfcu.com/p/save/savings-accounts
- peoplesfcu.com/p/manage/current-rates
All captured Oct 4, 2026
Who can join Peoples Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.