Credit union · NCUA insured
PSFCU Auto Loan Rates
PSFCU auto loans start at 3.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How PSFCU’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where PSFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
3rd-lowest rate
Sunmark Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
PSFCU auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew3.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PSFCU 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.
Motorcycle Loan
Terms up to 5 years for new and used motorcycles. Rates apply when automatic payment from the PSFCU Checking Account is selected and are 0.25% higher without automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.00% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 60 months | 7.50% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
Sources (1)
- psfcu.com/about-us/terms-and-conditions/rates · captured Oct 16, 2026
New Auto Loan
Up to 100% financing of purchase price, registration, and taxes with maximum loan amount of $100,000 for a new car (up to 80% for a new electric car). Terms up to 7 years. Rates apply when automatic payment from a PSFCU Checking Account is selected and are 0.25% higher without automatic payment. No application or annual fees. PSFCU membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 2.99% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 24 months | 2.99% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 36 months | 2.99% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 48 months | 2.99% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 60 months | 3.50% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 72 months | 4.99% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 84 months | 5.99% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
Sources (2)
All captured Oct 16, 2026
Used Auto Loans
Up to 100% financing of vehicle value with maximum loan amount of $60,000 for a used car (up to 80% for a used electric car). Vehicle must not be older than 5 years. Terms up to 7 years. Rates apply when automatic payment from a PSFCU Checking Account is selected and are 0.25% higher without automatic payment. No application or annual fees. PSFCU membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 3.99% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 24 months | 3.99% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 36 months | 3.99% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 48 months | 3.99% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 60 months | 4.50% | Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 72 months | 6.15% | Available only for cars up to 3 years old. Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
| up to 84 months | 6.75% | Available only for cars up to 3 years old. Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character. |
Sources (2)
All captured Oct 16, 2026
Who can join PSFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to members of one of the ten sponsoring organizations.
Cost to join
- Opening a savings account and making a deposit of $10 is required to join.
Membership information collected October 5, 2026.