Credit union · NCUA insured
Pittsburgh Federal Credit Union Auto Loan Rates
Pittsburgh Federal Credit Union auto loans start at 5.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.
How Pittsburgh Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Pittsburgh Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pittsburgh Federal Credit Union
5.75%APR
- Terms
- up to 60 months
- Up to
- 18.75% APR
- Discount
- None included
New Vehicles 2024-2026
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Up to
- —
- Discount
- Included in the rate
Pittsburgh Federal Credit Union auto loan score
68
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pittsburgh 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.
4.99% Auto Loan Special
Limited-time offer for new or used auto loans or refinance of current loan. Fast, easy approval process. Flexible terms.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Low, fixed rate starting at 4.99% APR on new or used auto loans, or refinancing current loan. Flexible terms to fit budget. Limited-time offer. |
Sources (3)
- pittsburghfcu.org
- pittsburghfcu.org/%f0%9f%9a%97…%f0%9f%92%a8%f0%9f%9a%97
- pittsburghfcu.org/4-99-auto-loan-rate
All captured Oct 6, 2026
Auto Loan Refinance Promotion
Will beat current auto loan rate by at least 1% for qualified borrowers. Subject to credit approval. Offer subject to change.
| Terms | APR | Conditions |
|---|---|---|
| — | 1.99% | Rates as low as 1.99% APR for qualified borrowers; 1% rate reduction based on current lender's rate. Subject to credit approval. |
Sources (3)
- pittsburghfcu.org
- pittsburghfcu.org/%f0%9f%9a%97…%f0%9f%92%a8%f0%9f%9a%97
- pittsburghfcu.org/4-99-auto-loan-rate
All captured Oct 6, 2026
Motorcycles
Financing up to 100% of MSRP or NADA Average Retail Value. Automatic payment available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.50%–16.75% | New 2023-2022 Up to 60 Months; minimum APR requires Gold credit tier (730 and up), maximum APR for Quartz credit tier (569 and under). Financing up to 100%. |
| up to 60 months | 8.00%–17.75% | Used Up to 60 Months; minimum APR requires Gold credit tier (730 and up), maximum APR for Quartz credit tier (569 and under). Financing up to 100%. |
Sources (1)
- pittsburghfcu.org/services/loan-accounts · captured Oct 6, 2026
New Vehicles 2024-2026
Untitled or <10,000 miles. Financing up to 100% of MSRP or NADA Average Retail Value (10% financing for Quartz tier score 569 and under). Automatic payment available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75%–17.75% | 36 Months; minimum APR requires Gold or Silver credit tier (670 and up), maximum APR for Quartz credit tier (569 and under). Financing up to 100% (10% for Quartz). |
| up to 48 months | 5.25%–18.00% | 48 Months; minimum APR requires Gold or Silver credit tier (670 and up), maximum APR for Quartz credit tier (569 and under). Financing up to 100% (10% for Quartz). |
| up to 60 months | 5.75%–18.75% | 60 Months; minimum APR requires Silver credit tier (729 - 670), maximum APR for Quartz credit tier (569 and under). Financing up to 100% (10% for Quartz). |
| up to 72 months | 6.00%–18.75% | 72 Months; minimum APR requires Gold or Silver credit tier (670 and up), maximum APR for Quartz credit tier (569 and under). Financing up to 100% (10% for Quartz). |
| up to 84 months | 6.75%–18.75% | 84 Months; minimum APR requires Gold credit tier (730 and up), maximum APR for Quartz credit tier (569 and under). Financing up to 100% (10% for Quartz). |
Sources (1)
- pittsburghfcu.org/services/loan-accounts · captured Oct 6, 2026
Used Vehicles
Financing on vehicle loans up to 100% of MSRP or NADA Average Retail Value. Automatic payment available.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.75%–16.00% | Model years 2023-2020; minimum APR requires Gold credit tier (730 and up), maximum APR for Quartz credit tier (569 and under). Financing up to 100%. |
| up to 60 months | 6.25%–17.75% | Model years 2020-2017; minimum APR requires Gold credit tier (730 and up), maximum APR for Quartz credit tier (569 and under). Financing up to 100%. |
| up to 48 months | 8.00%–17.75% | Model years 20166-2012; minimum APR requires Gold or Crystal credit tier (730 and up, 669 - 620), maximum APR for Quartz credit tier (569 and under). Financing up to 100%. |
| up to 48 months | 8.75%–17.75% | Model years 2012-2007; minimum APR requires Gold or Silver credit tier (730 and up, 729 - 670), maximum APR for Quartz credit tier (569 and under). Financing up to 100%. |
Sources (1)
- pittsburghfcu.org/services/loan-accounts · captured Oct 6, 2026
Who can join Pittsburgh 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
- Membership is open to individuals who live, work, worship, or attend school in approved underserved communities of Pittsburgh (Allentown 15210, Arlington 15210, Beltzhoover 15210, Bon Air 15210, Carrick 15210, Hays 15207, Knoxville 15210, Mt. Oliver Borough 15210, Mt. Washington 15211, Overbrook 15210, South Side 15203), as well as businesses and other legal entities located in these areas.
Employers and groups
- Membership is open to members and employees affiliated with designated partner organizations and churches in the field of membership.
Family and household
- Membership is open to family members of existing members or potential members within the field of membership.
Cost to join
- Opening a share account requires a minimum opening deposit of $25.00.
- There is a $5.00 one-time membership fee to join the credit union.
Membership information collected October 5, 2026.