Credit union · NCUA insured
Public Service Credit Union Auto Loan Rates
Public Service Credit Union auto loans start at 4.29% APR for a new vehicle and 4.29% for a used one. Rates checked October 15, 2026.
How Public Service Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fort Wayne, IN, where Public Service Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Public Service Credit Union
4.29%APR
- Terms
- 60–83 months
- Discount
- Included in the rate
Auto Loans
2nd-lowest rate
Summit Choice Credit Union
4.39%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
Financial Partners Federal Credit Union
4.45%APR
- Terms
- up to 84 months
- Discount
- None included
Public Service Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.29%
- Used vehicleUsed4.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Public Service 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 Loans
Available for new and used vehicles (up to 10 model years old) for purchases or refinancing. No application fee. Used vehicles 10 model years or older priced at personal loan rate with max 75% LTV. Floor of 3.49% APR, maximum rate 18% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 35 months | 4.29% | — |
| up to 35 months | 3.79% | Rate based on using 10,000 Member Loyalty Points. Member must have 10,000 Loyalty Points at the time of the transaction. |
| 36–59 months | 4.54% | — |
| 36–59 months | 4.14% | Rate based on using 10,000 Member Loyalty Points. Member must have 10,000 Loyalty Points at the time of the transaction. |
| 60–83 months | 4.79% | — |
| 60–83 months | 4.29% | Rate based on using 10,000 Member Loyalty Points. Member must have 10,000 Loyalty Points at the time of the transaction. |
Sources (3)
All captured Oct 15, 2026
Who can join Public Service Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Allen County or Huntington County is eligible for membership.
Cost to join
- Membership requires opening a savings account with a $5 deposit.
Membership information collected October 5, 2026.