Credit union · NCUA insured
Pheple FCU Auto Loan Rates
Top CarrotPheple FCU auto loans start at 4.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 17, 2026.
How Pheple FCU’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Pheple FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pheple FCU
4.49%APR
- Terms
- —
- Discount
- None included
New Auto
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
Pheple FCU auto loan score
86
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pheple FCU 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 Loan Refinance
Must be refinanced from another financial institution. Beats existing rate by up to 2.00% based on current loan terms. Relationship discounts not available. Offer valid starting 4/01/2026.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.00% | Floor rate / rates as low as 4.00% APR for qualified borrowers; rate reduction up to 2.00% from existing rate at another institution; relationship discounts not available; offer valid starting 4/01/2026 |
Sources (1)
- pheplefcu.org/auto-refi · captured Oct 16, 2026
New Auto
Rate is based on vehicles that are 5 model years or newer with less than 150,000 miles. Rate is subject to change if the vehicle falls outside of these guidelines, or if the vehicle has a rebuilt title.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Standard APR as low as 4.49%. Rate is based on vehicles 5 model years or newer with less than 150,000 miles. |
| — | 3.24% | Relationship Pricing Discount Rate as low as 3.24% APR (includes up to 1.25% discount for qualifying relationship services). Rate is based on vehicles 5 model years or newer with less than 150,000 miles. |
Sources (1)
- pheplefcu.org/loan-rates · captured Oct 16, 2026
Used Auto
Rate is based on vehicles that are 5 model years or newer with less than 150,000 miles. Rate is subject to change if the vehicle falls outside of these guidelines, or if the vehicle has a rebuilt title.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Standard APR as low as 5.49%. Rate is based on vehicles 5 model years or newer with less than 150,000 miles. |
| — | 4.24% | Relationship Pricing Discount Rate as low as 4.24% APR (includes up to 1.25% discount for qualifying relationship services). Rate is based on vehicles 5 model years or newer with less than 150,000 miles. |
Sources (1)
- pheplefcu.org/loan-rates · captured Oct 16, 2026
Used Motorcycle
Other rates and terms available.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.99% | Standard APR as low as 6.99%. Other rates and terms available. |
| — | 5.74% | Relationship Pricing Discount Rate as low as 5.74% APR (includes up to 1.25% discount for qualifying relationship services). Other rates and terms available. |
Sources (1)
- pheplefcu.org/loan-rates · captured Oct 16, 2026
Who can join Pheple FCU
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, worship, or attend school in Allegheny, Armstrong, Fayette, Washington, or Westmoreland Counties are eligible for membership.
Family and household
- Immediate family members of individuals who live, work, worship, or attend school in Allegheny, Armstrong, Fayette, Washington, or Westmoreland Counties are eligible for membership.
Cost to join
- A $5 deposit into a share savings account is required to become a member.
Membership information collected October 5, 2026.