Credit union · NCUA insured
Postal Employees Credit Union Auto Loan Rates
Postal Employees Credit Union auto loans start at 5.50% APR for a new vehicle and 6.00% for a used one. Rates checked October 22, 2026.
How Postal Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Trenton, NJ, where Postal Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Postal Employees Credit Union
5.50%APR
- Terms
- up to 60 months
- Up to
- 6.50% APR
- Discount
- None included
New Auto Loans
Lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
New Jersey Law & Public Safety Credit Union
3.59%APR
- Terms
- 24–84 months
- Up to
- 14.69% APR
- Discount
- None included
Postal Employees Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Postal 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.
New Auto Loans
For loan approval, minimum credit score must be at least 600. Rates subject to change without prior notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.75%–5.75% | Credit score 600+. Standard Financing across credit tiers (720+: 4.75%, 660-719: 5.25%, 600-659: 5.75%). |
| up to 36 months | 5.00%–6.00% | Credit score 600+. Standard Financing across credit tiers (720+: 5.00%, 660-719: 5.50%, 600-659: 6.00%). |
| up to 48 months | 5.25%–6.25% | Credit score 600+. Standard Financing across credit tiers (720+: 5.25%, 660-719: 5.75%, 600-659: 6.25%). |
| up to 60 months | 5.50%–6.50% | Credit score 600+. Standard Financing across credit tiers (720+: 5.50%, 660-719: 6.00%, 600-659: 6.50%). |
| up to 72 months | 5.75%–6.75% | Credit score 600+. Standard Financing across credit tiers (720+: 5.75%, 660-719: 6.25%, 600-659: 6.75%). |
| up to 84 months | 6.00%–7.00% | Credit score 600+. Standard Financing across credit tiers (720+: 6.00%, 660-719: 6.50%, 600-659: 7.00%). |
Used Car Loans
For loan approval, minimum credit score must be at least 600. Rates subject to change without prior notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.25%–6.25% | 5 to 7 years old vehicles. Credit score 600+ (720+: 5.25%, 660-719: 5.75%, 600-659: 6.25%). |
| up to 36 months | 5.50%–6.50% | 5 to 7 years old vehicles. Credit score 600+ (720+: 5.50%, 660-719: 6.00%, 600-659: 6.50%). |
| up to 48 months | 5.75%–6.75% | 5 to 7 years old vehicles. Credit score 600+ (720+: 5.75%, 660-719: 6.25%, 600-659: 6.75%). |
| up to 60 months | 6.00%–7.00% | 1 to 4 years old vehicles. Credit score 600+ (720+: 6.00%, 660-719: 6.50%, 600-659: 7.00%). |
| up to 72 months | 6.25%–7.25% | 1 to 4 years old vehicles. Credit score 600+ (720+: 6.25%, 660-719: 6.75%, 600-659: 7.25%). |
| up to 84 months | 6.50%–7.50% | 1 to 4 years old vehicles. Credit score 600+ (720+: 6.50%, 660-719: 7.00%, 600-659: 7.50%). |
Who can join Postal Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- All staff members of the credit union are eligible to join.
Military, government and schools
- All federal employees who work in the zip code areas of 085xx and 086xx are eligible to join.
Family and household
- Children of a qualified member or the member's spouse are eligible to join.
- Parents of a qualified member or the member's spouse are eligible to join.
- Spouses of qualified members are eligible to join.
Membership information collected October 5, 2026.