Credit union · NCUA insured
Policemen's Federal Credit Union Auto Loan Rates
Policemen's Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.60% for a used one. Rates checked October 15, 2026.
How Policemen's Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near South Bend, IN-MI, where Policemen's Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Policemen's Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
New Auto Loans
Lowest rate
TLCU Financial
4.24%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
Circle Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Up to
- 7.25% APR
- Discount
- None included
Policemen's Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.60%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Policemen's 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 Auto Loans
Rates listed are PFCU's prime rates; individual rates vary based on credit score, creditworthiness, qualifications, and collateral conditions. Rates reflect a 1.00% (1 point) APR reduction for members with Direct Deposit into a PFCU Premier Checking account. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.25% | Applies to new, never-titled vehicles. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score. |
| up to 72 months | 5.45% | Applies to new, never-titled vehicles. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score. |
Used Auto Loans
Tiered rates based on vehicle age. Rates listed are PFCU's prime rates; individual rates vary based on credit score, creditworthiness, qualifications, and collateral conditions. Rates reflect a 1.00% (1 point) APR reduction for members with Direct Deposit into a PFCU Premier Checking account. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.25% | Vehicle model year 2022 & newer. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score. |
| up to 72 months | 4.60% | Vehicle model years 2020 - 2021. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score. |
| up to 66 months | 4.95% | Vehicle model years 2017 - 2019. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score. |
| up to 60 months | 5.95% | Vehicle model years 2012 - 2016. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score. |
| up to 54 months | 7.25% | Vehicle model years 2011 & older. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score. |
| up to 72 months | 5.45% | Vehicle model years 2015 - 2017. Prime rate; individual rates may vary based on credit score. |
| up to 72 months | 5.70% | Vehicle model years 2018 - 2019. Prime rate; individual rates may vary based on credit score. |
| up to 72 months | 5.45% | Vehicle model year 2020 & newer. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score. |
| up to 72 months | 5.70% | Vehicle model years 2018 - 2019. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score. |
| up to 66 months | 5.95% | Vehicle model years 2015 - 2017. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score. |
| up to 60 months | 6.95% | Vehicle model years 2010 - 2014. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score. |
| up to 54 months | 8.50% | Vehicle model years 2009 & older. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score. |
| up to 72 months | 5.45% | Vehicle model years 2015 - 2017. Prime rate; individual rates may vary based on credit score. |
Who can join Policemen's Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can become an Associate Member of the Fraternal Order of Police (FOP) for $20 to become eligible for membership.
Employers and groups
- Members or associate members of FOP Lodge 36, FOP Lodge 91, or FOP Lodge 155 are eligible for membership.
- Employees or retirees of Indiana Michigan Power (I&M) or Mishawaka Utilities are eligible for membership.
Military, government and schools
- Employees or retirees of law enforcement agencies in South Bend, Mishawaka, or St. Joseph County are eligible for membership.
Family and household
- Immediate family members of current Policemen's Federal Credit Union members are eligible for membership.
Cost to join
- A one-time fee of $20 is required to join the Fraternal Order of Police Associates (FOPA).
Membership information collected October 5, 2026.