Credit union · NCUA insured
PEPCO Federal Credit Union Auto Loan Rates
PEPCO Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How PEPCO Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where PEPCO Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PEPCO Federal Credit Union
4.50%APR
- Terms
- up to 60 months
New Autos
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
PEPCO Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PEPCO 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 Autos
Current & Previous Model Year, Untitled or Less than 5,000 miles. Maximum amount loaned up to $100,000 for up to 72 months. 100% financing (financing over 100% of value available based on eligibility). Rates and terms based on credit score and loan-to-value ratio. No prepayment penalty. Eligible for Loan Rate Discount Program (up to 1.00% cumulative rate reduction).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.90% | 100% financing. Rates as low as 2.90% APR (or 1.90% APR with eligible Loan Rate Discount Program reductions). |
| up to 48 months | 3.90% | 100% financing. Rates as low as 3.90% APR (or 2.90% APR with eligible Loan Rate Discount Program reductions). |
| up to 60 months | 4.50% | 100% financing. Rates as low as 4.50% APR (or 3.50% APR with eligible Loan Rate Discount Program reductions). |
| up to 72 months | 4.90% | 100% financing. Rates as low as 4.90% APR (or 3.90% APR with eligible Loan Rate Discount Program reductions). |
Sources (2)
All captured Oct 15, 2026
Used Autos
2023 - 2018 Model Year and 2024 Vehicles over 5,000 miles. Maximum loan amount up to $50,000 for up to 72 months. Finances 100% of NADA retail value (financing over 100% of value available based on eligibility). Rates and terms based on credit score and loan-to-value ratio. No prepayment penalty. Eligible for Loan Rate Discount Program (up to 1.00% cumulative rate reduction). Motorcycle loan rates are 1.00% above regular auto loan rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.90% | 2023-2018 Model Year and 2024 Vehicles over 5,000 miles. 100% financing. Rates as low as 2.90% APR (or 1.90% APR with eligible Loan Rate Discount Program reductions). |
| up to 48 months | 3.90% | 2023-2018 Model Year and 2024 Vehicles over 5,000 miles. 100% financing. Rates as low as 3.90% APR (or 2.90% APR with eligible Loan Rate Discount Program reductions). |
| up to 60 months | 4.50% | 2023-2018 Model Year and 2024 Vehicles over 5,000 miles. 100% financing. Rates as low as 4.50% APR (or 3.50% APR with eligible Loan Rate Discount Program reductions). |
| up to 72 months | 5.00% | 2023-2018 Model Year and 2024 Vehicles over 5,000 miles. 100% financing. Rates as low as 5.00% APR (or 4.00% APR with eligible Loan Rate Discount Program reductions). Note: motorcycle loan rates are 1.00% above regular auto loan rates. |
Sources (2)
All captured Oct 15, 2026
Who can join PEPCO Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Permanent full-time employees of PEPCO Federal Credit Union are eligible for membership.
- Permanent full time employees of the Potomac Electric Power Company, PHI, or its corporate Affiliates working in Washington D.C., Maryland, or Virginia are eligible for membership.
- Organizations composed exclusively of individuals within the Credit Union's field of membership are eligible.
- Members of PEPCO FCU who are no longer employed by Potomac Electric Power Company, PHI, its Corporate Affiliates, or PEPCO FCU and retain their membership remain eligible.
Family and household
- Family members of eligible persons, including parents, grandparents, husband, wife, children, grandchildren, brothers, and sisters, are eligible for membership.
Other ways
- Retirees are eligible for membership.
Membership information collected October 4, 2026.