Credit union · NCUA insured
Prescott Federal Credit Union Auto Loan Rates
Prescott Federal Credit Union auto loans start at 5.10% APR for a new vehicle and 5.30% for a used one. Rates checked October 22, 2026.
How Prescott Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Prescott Valley, AZ, where Prescott Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Prescott Federal Credit Union
5.10%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
New Auto Loans (Min $20,000.00)
2nd-lowest rate
OneAZ Credit Union
5.15%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
- Discount
- Included in the rate
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Prescott Federal Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.10%
- Used vehicleUsed5.30%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Prescott 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
Must qualify under approved Field of Membership and meet Prescott Federal Credit Union Bylaws membership requirements. Actual APR dependent upon borrower(s) credit qualifications. No application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.35% | APR as low as 5.35% for terms up to 84 months. |
New Auto Loans (Min $20,000.00)
Must qualify under approved Field of Membership and meet Prescott Federal Credit Union Bylaws membership requirements. Actual APR dependent upon borrower(s) credit qualifications. Minimum loan amount $20,000.00. No application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.10% | APR as low as 5.10% for terms up to 84 months with minimum loan amount of $20,000.00. |
Used Auto Loans
Must qualify under approved Field of Membership and meet Prescott Federal Credit Union Bylaws membership requirements. Actual APR dependent upon borrower(s) credit qualifications. No application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.55% | APR as low as 5.55% for terms up to 84 months. |
Used Auto Loans (Min $15,000.00)
Must qualify under approved Field of Membership and meet Prescott Federal Credit Union Bylaws membership requirements. Actual APR dependent upon borrower(s) credit qualifications. Minimum loan amount $15,000.00. No application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.30% | APR as low as 5.30% for terms up to 84 months with minimum loan amount of $15,000.00. |
Who can join Prescott Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Staff and students of Embry-Riddle Aeronautical University are eligible for membership.
- Federal government employees are eligible for membership.
- Military veterans are eligible for membership.
Family and household
- Families of military veterans, federal government employees, and Embry-Riddle staff and students are eligible for membership.
Cost to join
- Establish membership by opening a savings account with $10.
Membership information collected October 4, 2026.