Credit union · NCUA insured
Point Breeze Credit Union Auto Loan Rates
Point Breeze Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Point Breeze Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where Point Breeze Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Point Breeze Credit Union
5.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New & Used Auto or Truck
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
Point Breeze Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.49%
- 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 Point Breeze 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 & Used Auto or Truck
Must be or become a Point Breeze Credit Union member. Credit qualifications and approval required. Rates reflect a 0.25% discount for direct deposit/payroll deduction of loan payments. Rate may vary based on term, loan amount, credit history, and other factors. Vehicles older than 10 model years or with more than 100,000 miles are subject to approval and if approved, rate is 2.00% above qualifying rate. Excludes current Point Breeze loans. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Rate reflects a 0.25% discount for direct deposit/payroll deduction of loan payments. Monthly payment is $29.74 per $1,000 borrowed. |
| up to 48 months | 4.74% | Rate reflects a 0.25% discount for direct deposit/payroll deduction of loan payments. Monthly payment is $22.92 per $1,000 borrowed. |
| up to 60 months | 5.49% | Rate reflects a 0.25% discount for direct deposit/payroll deduction of loan payments. Monthly payment is $19.10 per $1,000 borrowed. |
| up to 72 months | 5.74% | Rate reflects a 0.25% discount for direct deposit/payroll deduction of loan payments. Monthly payment is $16.46 per $1,000 borrowed. |
| up to 84 months | 6.49% | Rate reflects a 0.25% discount for direct deposit/payroll deduction of loan payments. Monthly payment is $14.85 per $1,000 borrowed. |
Who can join Point Breeze Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.