Credit union · Privately insured
POCU of Maryland Auto Loan Rates
POCU of Maryland auto loans start at 4.29% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How POCU of Maryland’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where POCU of Maryland has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
New Car Loan
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
3rd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
POCU of Maryland auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew4.29%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where POCU of Maryland 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 Special
Limited-time offer for well-qualified POCUMD members only. Valid on new, used, and refinanced auto loans. Quoted APRs are subject to change daily. APR may vary based on creditworthiness, income, and term of loan. Leased vehicles and existing POCUMD loans are not eligible. Limited-time offer runs from 7/1/26 - 9/30/26.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99% | Maximum loan terms apply - 72-month term maximum. Rates for 84 months available. No payments for 90 days. |
New Car Loan
Quoted APRs are subject to change daily. APR may vary based on creditworthiness, income, and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.09% | Promotional rate as low as with direct deposit of $100.00(min), a checking account and Debit Card. |
| up to 36 months | 3.09% | Promotional rate as low as with direct deposit of $100.00(min), a checking account and Debit Card. |
| up to 48 months | 3.09% | Promotional rate as low as with direct deposit of $100.00(min), a checking account and Debit Card. |
| up to 60 months | 3.09% | Promotional rate as low as with direct deposit of $100.00(min), a checking account and Debit Card. |
| up to 72 months | 4.29% | — |
| up to 84 months | 4.79% | — |
Used Car Loan
Quoted APRs are subject to change daily. APR may vary based on creditworthiness, income, and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.29% | Promotional rate as low as with direct deposit of $100.00(min), a checking account and Debit Card. |
| up to 36 months | 3.29% | Promotional rate as low as with direct deposit of $100.00(min), a checking account and Debit Card. |
| up to 48 months | 3.29% | Promotional rate as low as with direct deposit of $100.00(min), a checking account and Debit Card. |
| up to 60 months | 3.29% | Promotional rate as low as with direct deposit of $100.00(min), a checking account and Debit Card. |
| up to 72 months | 4.49% | — |
| up to 84 months | 4.99% | — |
Used Motorcycle Loan
Quoted APRs are subject to change daily. APR may vary based on creditworthiness, income, and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.25% | — |
| up to 36 months | 6.30% | — |
| up to 48 months | 6.55% | — |
| up to 60 months | 6.80% | — |
| up to 72 months | 6.95% | — |
| up to 84 months | 7.40% | — |
Sources (1)
- pocumd.org/current-rates · captured Oct 4, 2026
Who can join POCU of Maryland
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals connected to or affiliated with partner organizations and affiliated groups are eligible to join.
Military, government and schools
- Current or retired Maryland-based U.S. Postal Service employees are eligible for membership.
Family and household
- Extended family members of Maryland-based USPS employees and retirees are eligible for membership.
Cost to join
- Opening a Share Savings Account requires an initial share deposit of $10.00 (part of $10.25 initial deposit).
- A $0.25 processing fee is charged to open the account, though waived during promotional periods.
Membership information collected October 4, 2026.