Credit union · NCUA insured
Reliance FCU Auto Loan Rates
Reliance FCU auto loans start at 5.10% APR for a new vehicle and 5.35% for a used one. Rates checked October 16, 2026.
How Reliance FCU’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Reliance FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Reliance FCU
5.10%APR
- Terms
- up to 63 months
- Up to
- 7.70% APR
- Discount
- None included
New Auto Loans
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Reliance FCU auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.10%
- Used vehicleUsed5.35%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Reliance FCU 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 Loans
Loan rates are effective 1/1/2026 and are subject to change without notice. Rates are competitive and based on credit score and loan term. Loan cancellation fee of $35 will be taken if after pre-approval for loan member does not complete follow-up information requests or if member cancels the loan application. All loan approvals are valid for 30 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.90% | — |
Sources (1)
- reliancefcu.com/loan-rates · captured Oct 16, 2026
New Auto Loans
Loan rates are effective 1/1/2026 and are subject to change without notice. Rates are based on credit score (A+, A, B, C) and loan term. Loan cancellation fee of $35 if follow-up info is not completed after pre-approval or if member cancels. Approvals valid 30 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.80%–5.80% | Credit rating tiers: A+ (4.80%), A (4.85%), B (5.00%), C (5.80%). |
| up to 36 months | 4.90%–6.15% | Credit rating tiers: A+ (4.90%), A (4.95%), B (5.10%), C (6.15%). |
| up to 48 months | 5.00%–7.25% | Credit rating tiers: A+ (5.00%), A (5.05%), B (5.25%), C (7.25%). |
| up to 63 months | 5.10%–7.70% | Credit rating tiers: A+ (5.10%), A (5.15%), B (5.45%), C (7.70%). |
| up to 75 months | 5.35%–8.85% | Credit rating tiers: A+ (5.35%), A (5.45%), B (5.95%), C (8.85%). |
| up to 84 months | 6.00%–9.75% | Credit rating tiers: A+ (6.00%), A (6.10%), B (6.60%), C (9.75%). |
| — | 2.99% | Enjoy a 2.99% teaser rate on your next auto loan for up to the first 6 months of the loan. |
Sources (1)
- reliancefcu.com/loan-rates · captured Oct 16, 2026
Used Auto Loans
Loan rates are effective 1/1/2026 and are subject to change without notice. Rates are based on credit score (A+, A, B, C) and loan term. Loan cancellation fee of $35 if follow-up info is not completed after pre-approval or if member cancels. Approvals valid 30 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.05%–6.10% | Credit rating tiers: A+ (5.05%), A (5.15%), B (5.30%), C (6.10%). |
| up to 36 months | 5.15%–6.45% | Credit rating tiers: A+ (5.15%), A (5.25%), B (5.40%), C (6.45%). |
| up to 48 months | 5.25%–7.55% | Credit rating tiers: A+ (5.25%), A (5.35%), B (5.55%), C (7.55%). |
| up to 63 months | 5.35%–8.00% | Credit rating tiers: A+ (5.35%), A (5.45%), B (5.75%), C (8.00%). |
| up to 75 months | 5.65%–9.15% | Credit rating tiers: A+ (5.65%), A (5.75%), B (6.25%), C (9.15%). |
| up to 84 months | 6.25%–10.05% | Credit rating tiers: A+ (6.25%), A (6.40%), B (6.90%), C (10.05%). |
Sources (1)
- reliancefcu.com/loan-rates · captured Oct 16, 2026
Who can join Reliance FCU
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, works, worships, or studies in the Philadelphia or Greater Philadelphia Area (including Conshohocken, East Norriton, King of Prussia, and Norristown) is eligible for membership.
Employers and groups
- Employees at select employer groups (including Arnold's Family Fun Center, Oaks Center Cinema, and American Treasure Tour Museum in Oaks, PA) are eligible for membership.
Family and household
- Anyone who is a family member of a current Reliance FCU member is eligible for membership regardless of geographic location.
Other ways
- All community members or frequent attendees of Eddystone United Methodist Church are eligible for membership.
- Individuals who have visited Arnold's Family Fun Center (Oaks, PA) starting January 1st, 2026 are eligible for membership.
Membership information collected October 5, 2026.