Credit union · NCUA insured
Post Office Employees Credit Union Auto Loan Rates
Top CarrotPost Office Employees Credit Union auto loans start at 2.74% APR for a new vehicle and 2.74% for a used one. Rates checked October 16, 2026.
How Post Office Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near New Orleans, LA, where Post Office Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Post Office Employees Credit Union
2.74%APR
- Terms
- up to 72 months
- Discount
- None included
New Auto Loans
2nd-lowest rate
Instep Credit Union
3.75%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
3rd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Post Office Employees Credit Union auto loan score
99
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew2.74%
- Used vehicleUsed2.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Post Office Employees 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.
Auto Loan Refinance
For refinancing a current auto loan from another lender. Current POECU auto loans are not eligible for refinancing. Fixed rates with terms up to 72 months. Includes a limited-time 1.25% APR discount off qualifying rate. Loan Loyalty Discounts are not applicable during the 1.25% discount promotion. Membership eligibility required upon loan application.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 2.74% | Rates as low as 2.74% APR after 1.25% discount on refinancing a current loan from another lender. Fixed rates, credit permitting. Current POECU auto loans are not eligible. Terms up to 72 months. |
New Auto Loans
Fixed rates with terms up to 72 months. Rate is based on creditworthiness and term of loan. Includes a limited-time 1.25% APR discount off qualifying rate. Loan Loyalty Discounts are not applicable during the 1.25% discount promotion. Membership eligibility required upon loan application.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 2.74% | Rates as low as 2.74% APR after 1.25% discount on new Auto Loans. Fixed rates, credit permitting. Terms up to 72 months. |
Sources (1)
- poecu.org/auto · captured Oct 5, 2026
Used Auto Loans
Fixed rates with terms up to 72 months. Rate is based on creditworthiness and term of loan. Includes a limited-time 1.25% APR discount off qualifying rate. Loan Loyalty Discounts are not applicable during the 1.25% discount promotion. Membership eligibility required upon loan application.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 2.74% | Rates as low as 2.74% APR after 1.25% discount on used Auto Loans. Fixed rates, credit permitting. Terms up to 72 months. |
Sources (1)
- poecu.org/auto · captured Oct 5, 2026
Who can join Post Office Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Those who live, work, worship, or attend school anywhere in the city of Covington, LA are eligible for membership.
- Persons who live, work, worship, or attend school in the 5th Council District of Jefferson Parish are eligible for membership.
Employers and groups
- Persons who are licensed or employed by the Louisiana State Board of Barber Examiners or Louisiana State Board of Cosmetology in Baton Rouge, Louisiana are eligible for membership.
- Persons who are employed by one of the listed Member Employer offices (or AFSCME Local 2349 members in good standing) are eligible for membership.
- An employee of POECU is eligible for membership.
- Members in good standing of UFCW Local 496 in Metairie, LA (the union for Barbers & Cosmetologists) are eligible for membership.
7 more ways to join
Military, government and schools
- Employees (and their family) of the U. S. Department of Homeland Security who work permanently in the New Orleans (South Central) CMC Region (LA, AL, AR, TN, and MS) are eligible for membership.
- Employees (and their family) of the United States Postal Service headquartered in (paid through) the New Orleans office are eligible for membership.
- Employees of all U. S. Governmental Agencies in this CMC Region whose activities or functions are associated in any manner with those of Homeland Security personnel (except those eligible for membership in another credit union by virtue of employment) are eligible for membership.
Family and household
- Members of the immediate families and organizations of eligible persons are eligible for membership.
- An immediate family member of a POECU member is eligible for membership.
Other ways
- A person retired as a pensioner or annuitant from the list of Member Employers is eligible for membership.
- The widow or widower of a person who died while in the field of membership of the Homeland Federal Credit Union (formerly USCFCU) is eligible for membership.
Membership information collected October 5, 2026.