Credit union · NCUA insured
PHI Federal Credit Union Auto Loan Rates
PHI Federal Credit Union auto loans start at 6.99% APR for a new vehicle. Rates checked November 6, 2026.
How PHI Federal Credit Union’s auto loan rates compare
New vehicle, lowest advertised APR. The lowest rate among banks and credit unions with branches in each area.
This credit union’s lowest
PHI Federal Credit Union
6.99%APR
- Terms
- up to 72 months
- Up to
- 16.49% APR
New and Used Auto
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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 and Used Auto
Rates are based on credit rating and other factors. With approved credit. All interest rates are subject to change without notice. **new vehicle rates also apply to program vehicles**
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.99%–16.49% | New Vehicle (under $50,000). Max term 6 years. LTV: 100% (scores 640+), 90% (600-639), 85% (under 600). Lowest rate requires Rating A / Score 730; highest rate applies to Rating E / Score 549 or less. New vehicle rates also apply to program vehicles. |
| up to 84 months | 7.99%–17.49% | New Vehicle- $50,000.00 and greater. Max term 7 years. LTV: 100% (scores 640+), 90% (600-639), 85% (under 600). Lowest rate requires Rating A / Score 730; highest rate applies to Rating E / Score 549 or less. New vehicle rates also apply to program vehicles. |
Sources (1)
- phifcu.com/rates.php · captured Nov 6, 2026
PHI Federal Credit Union auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Who can join PHI Federal Credit Union
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