Credit union · NCUA insured
Philadelphia Federal Credit Union Auto Loan Rates
Top CarrotPhiladelphia Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Philadelphia Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Philadelphia Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Philadelphia Federal Credit Union
4.99%APR
- Terms
- up to 66 months
- Up to
- —
- Discount
- None included
New Car Loan
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Philadelphia Federal Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Philadelphia 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 Car Loan
Financing available only through licensed dealerships. Private auto sales can be financed with personal or home equity loans. Borrow up to 140% of MSRP including tax, tags, warranty, and security system. Includes 0.25% rate discount for new credit union members (in first 6 months) or 0.50% discount for electric and hybrid vehicles (greater discount applies, max one discount per loan). Rates reflect all possible discounts. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.99% | Rate as low as 4.99% APR for terms up to 66 months on new auto loans. Loan terms available up to 84 months with limitations. |
Sources (3)
- pfcu.com/personal/loans/vehicle-loans
- pfcu.com/personal/loans/vehicle-loans/car-loans
- pfcu.com/resources/information/rates-and-fees
All captured Oct 6, 2026
Older Car Loan
Available for vehicles older than seven years old. Financing available only through licensed dealerships. Borrow up to 100% of NADA retail value including tax, tags, warranty, and security system. Rate reflects all possible discounts. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.40% | Rate as low as 8.40% APR for terms up to 60 months on used auto loans. |
Sources (3)
- pfcu.com/personal/loans/vehicle-loans
- pfcu.com/personal/loans/vehicle-loans/car-loans
- pfcu.com/resources/information/rates-and-fees
All captured Oct 6, 2026
Refinanced Car Loan
Flexible terms that vary by year of automobile. Borrow up to 140% of NADA retail value including tax, tags, warranty, and security system. Discount of 0.50% for electric and hybrid vehicles (greater discount applies, only one discount per loan). Rate reflects all possible discounts. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.24% | Rates as low as 5.24% APR (footnote 2 references 5.24% APR as low as on used auto loans). Flexible terms vary by year of automobile. |
Sources (2)
All captured Oct 6, 2026
Used Car Loan
Available for vehicles seven years old or newer. Flexible terms vary by year of automobile. Financing available only through licensed dealerships. Borrow up to 140% of NADA retail value including tax, tags, warranty, and security system. Includes 0.25% rate discount for new credit union members (in first 6 months of membership) or 0.50% discount for electric and hybrid vehicles (greater discount applies, only one discount per loan). Rates reflect all possible discounts. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.24% | Rate as low as 5.24% APR for terms up to 66 months on used auto loans. |
Sources (3)
- pfcu.com/personal/loans/vehicle-loans
- pfcu.com/personal/loans/vehicle-loans/car-loans
- pfcu.com/resources/information/rates-and-fees
All captured Oct 6, 2026
Who can join Philadelphia Federal Credit Union
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, study, worship or do business in Philadelphia or Columbia County are eligible to join.
Employers and groups
- Employees of businesses in one of PFCU's select employee groups are eligible to join.
Family and household
- Immediate family members or individuals living with a current PFCU member are eligible to join PFCU.
Cost to join
- Membership requires opening a PFCU Regular Savings account and making a deposit (amount unstated).
Membership information collected October 5, 2026.