Credit union · NCUA insured
PHB Employees Federal Credit Union Auto Loan Rates
PHB Employees Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How PHB Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Erie, PA, where PHB Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PHB Employees Federal Credit Union
5.50%APR
- Terms
- 25–60 months
New Auto
Lowest rate
Americo FCU
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Tri State Rail Federal Credit Union
4.49%APR
- Terms
- 49–60 months
PHB Employees Federal Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PHB Employees 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
All rates and terms are subject to credit approval. Requires current earnings statement (paystub) for salary verification. Base rate applies to members with A+ credit (score 700+). Premium added based on credit score/risk grade (.75% to 8%). Required to have property insurance on collateral with CU listed as loss payee.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | Base rate for A+ credit tier (score 700+, max debt ratio 35%). |
| 25–60 months | 5.50% | Base rate for A+ credit tier (score 700+, max debt ratio 35%). |
| 61–84 months | 6.25% | Base rate for A+ credit tier (score 700+, max debt ratio 35%). |
Sources (3)
All captured Oct 6, 2026
Used Auto Rates Model year 2012 - Older
Applies to model years 2012 and older. All rates and terms subject to credit approval. Risk-based lending applies where base rate is for A+ credit. Required to carry property insurance on collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.00% | Model year 2012 - Older. Base rate for A+ credit tier. |
| 25–60 months | 8.00% | Model year 2012 - Older. Base rate for A+ credit tier. |
Used Auto Rates Model year 2016 - 2013
Applies to model years 2016 - 2013. All rates and terms subject to credit approval. Risk-based lending applies where base rate is for A+ credit. Required to carry property insurance on collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.75% | Model year 2016 - 2013. Base rate for A+ credit tier. |
| 25–60 months | 7.00% | Model year 2016 - 2013. Base rate for A+ credit tier. |
| 61–84 months | 8.00% | Model year 2016 - 2013. Base rate for A+ credit tier. |
Used Auto Rates Model year 2020 - 2017
Applies to model years 2020 - 2017. All rates and terms subject to credit approval. Risk-based lending applies where base rate is for A+ credit. Required to carry property insurance on collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.50% | Model year 2020 - 2017. Base rate for A+ credit tier. |
| 25–60 months | 5.75% | Model year 2020 - 2017. Base rate for A+ credit tier. |
| 61–84 months | 6.75% | Model year 2020 - 2017. Base rate for A+ credit tier. |
Used Auto Rates Model year 2025 - 2021
Applies to model years 2025 - 2021. All rates and terms subject to credit approval. Risk-based lending applies where base rate is for A+ credit. Required to carry property insurance on collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.25% | Model year 2025 - 2021. Base rate for A+ credit tier. |
| 25–60 months | 5.50% | Model year 2025 - 2021. Base rate for A+ credit tier. |
| 61–84 months | 6.50% | Model year 2025 - 2021. Base rate for A+ credit tier. |
Who can join PHB Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to all employees of select employee groups in the field of membership (PHB Die Casting, PHB Machining, PHB Molding, Reddog Industries, Fairview Manufacturing, Spectrum Control, Hydro-Pac, Fairview Manor, Schauer Physical Therapy, Fairview Service Center, Watson’s Auto Body, Mark’s Tire Service).
Family and household
- Membership is available to immediate family members (spouse, children, grandchildren, parents, grandparents, siblings, stepchildren, stepparent) of eligible employees or members, or someone residing in the principal residence of a member maintaining a single economic unit.
Membership information collected October 5, 2026.