Credit union · NCUA insured
PSECU Auto Loan Rates
Top CarrotPSECU auto loans start at 5.69% APR for a new vehicle and 5.69% for a used one. Rates checked September 26, 2026.
How PSECU’s auto loan rates compare
Compared with banks and credit unions near Harrisburg, PA, where PSECU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PSECU
5.69%APR
- Terms
- 1–63 months
New & Used Auto Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
PA Central Federal Credit Union
4.99%APR
- Terms
- up to 84 months
PSECU auto loan score
71
Auto loan score
Higher than 28% of U.S. banks and credit unions
- New vehicleNew5.69%
- Used vehicleUsed5.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PSECU 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
Refinance an existing auto loan from another lender or cash out refinance from existing PSECU auto loan ($1,000 min cash out required). Requires PSECU membership. Available for 2023 Model Year and Newer, 2022-2020 Model Year, and 2019 Model Year and Older. Rates increase by 0.25% APR if coupon payment method is chosen. Subject to credit approval and front-end LTV <= 90%. Minimum vehicle value $3,000. Maximum APR ranges up to 12.14% depending on model year tier.
| Terms | APR | Conditions |
|---|---|---|
| 1–63 months | 5.19% | 2023 Model Year and Newer. Minimum vehicle value $3,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 11.39%. |
| 64–75 months | 5.64% | 2023 Model Year and Newer. Minimum vehicle value $12,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 11.39%. |
| 76–84 months | 6.29% | 2023 Model Year and Newer. Minimum vehicle value $20,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 11.39%. |
| 85–96 months | 7.29% | 2023 Model Year and Newer. Minimum vehicle value $40,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 11.39%. |
| 1–63 months | 5.44% | 2022 - 2020 Model Year. Minimum vehicle value $3,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 11.64%. |
| 64–75 months | 5.89% | 2022 - 2020 Model Year. Minimum vehicle value $12,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 11.64%. |
| 76–84 months | 6.54% | 2022 - 2020 Model Year. Minimum vehicle value $20,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 11.64%. |
| 85–96 months | 7.54% | 2022 - 2020 Model Year. Minimum vehicle value $40,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 11.64%. |
| 1–63 months | 5.94% | 2019 Model Year and Older. Minimum vehicle value $3,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%. |
| 64–75 months | 6.39% | 2019 Model Year and Older. Minimum vehicle value $12,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%. |
| 76–84 months | 7.04% | 2019 Model Year and Older. Minimum vehicle value $20,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%. |
| 85–96 months | 8.04% | 2019 Model Year and Older. Minimum vehicle value $40,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%. |
Buy Out Your Auto Lease
Loan to buyout your auto lease. Requires PSECU membership. Rate increases by 0.25% APR if coupon payment method is chosen. Subject to credit approval and front-end LTV <= 90%. Minimum vehicle value $3,000. Maximum APR ranges up to 12.89% depending on model year tier.
| Terms | APR | Conditions |
|---|---|---|
| 1–63 months | 5.69% | 2023 Model Year and Newer. Minimum vehicle value $3,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%. |
| 64–75 months | 6.14% | 2023 Model Year and Newer. Minimum vehicle value $12,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%. |
| 76–84 months | 6.79% | 2023 Model Year and Newer. Minimum vehicle value $20,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%. |
| 85–96 months | 7.79% | 2023 Model Year and Newer. Minimum vehicle value $40,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%. |
| 1–63 months | 5.94% | 2022 - 2020 Model Year. Minimum vehicle value $3,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.39%. |
| 64–75 months | 6.39% | 2022 - 2020 Model Year. Minimum vehicle value $12,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.39%. |
| 76–84 months | 7.04% | 2022 - 2020 Model Year. Minimum vehicle value $20,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.39%. |
| 85–96 months | 8.04% | 2022 - 2020 Model Year. Minimum vehicle value $40,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.39%. |
| 1–63 months | 6.44% | 2019 Model Year and Older. Minimum vehicle value $3,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.89%. |
| 64–75 months | 6.89% | 2019 Model Year and Older. Minimum vehicle value $12,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.89%. |
| 76–84 months | 7.54% | 2019 Model Year and Older. Minimum vehicle value $20,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.89%. |
| 85–96 months | 8.54% | 2019 Model Year and Older. Minimum vehicle value $40,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.89%. |
Sources (2)
All captured Sep 26, 2026
New & Used Auto Loans
Available for 2023 Model Year and Newer, 2022-2020 Model Year, and 2019 Model Year and Older. Requires PSECU membership. Rates increase by 0.25% APR if coupon payment method is chosen. Subject to credit approval and front-end LTV <= 90%. Minimum vehicle value $3,000. Maximum APR ranges up to 12.89% depending on model year tier.
| Terms | APR | Conditions |
|---|---|---|
| 1–63 months | 5.69% | 2023 Model Year and Newer. Minimum vehicle value $3,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%. |
| 64–75 months | 6.14% | 2023 Model Year and Newer. Minimum vehicle value $12,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%. |
| 76–84 months | 6.79% | 2023 Model Year and Newer. Minimum vehicle value $20,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%. |
| 85–96 months | 7.79% | 2023 Model Year and Newer. Minimum vehicle value $40,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.14%. |
| 1–63 months | 5.94% | 2022 - 2020 Model Year. Minimum vehicle value $3,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.39%. |
| 64–75 months | 6.39% | 2022 - 2020 Model Year. Minimum vehicle value $12,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.39%. |
| 76–84 months | 7.04% | 2022 - 2020 Model Year. Minimum vehicle value $20,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.39%. |
| 85–96 months | 8.04% | 2022 - 2020 Model Year. Minimum vehicle value $40,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.39%. |
| 1–63 months | 6.44% | 2019 Model Year and Older. Minimum vehicle value $3,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.89%. |
| 64–75 months | 6.89% | 2019 Model Year and Older. Minimum vehicle value $12,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.89%. |
| 76–84 months | 7.54% | 2019 Model Year and Older. Minimum vehicle value $20,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.89%. |
| 85–96 months | 8.54% | 2019 Model Year and Older. Minimum vehicle value $40,000. Rate increases by 0.25% APR if coupon payment method is used. Max APR 12.89%. |
Sources (2)
All captured Sep 26, 2026
Who can join PSECU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members or joining members of the Pennsylvania Recreation and Parks Society or Pennsylvania Consumer Council are eligible to join.
- Employees of over 1,000 partner employers in Pennsylvania are eligible for membership.
Military, government and schools
- Individuals affiliated with partnered Pennsylvania colleges or universities are eligible to join.
Family and household
- Individuals who live with or are related to an existing PSECU member are eligible for membership.
Cost to join
- Membership requires opening a dividend-earning savings account with a $5 minimum balance.
Membership information collected October 5, 2026.