Credit union · NCUA insured
Riegel Federal Credit Union Auto Loan Rates
Riegel Federal Credit Union auto loans start at 4.59% APR for a new vehicle and 5.59% for a used one. Rates checked October 22, 2026.
How Riegel Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Riegel Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Riegel Federal Credit Union
4.59%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Vehicle (Car & Motorcycle)
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Riegel Federal Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew4.59%
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Riegel 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 Vehicle (Car & Motorcycle)
Loan approvals are based on credit worthiness, vehicle qualifications, and available terms. Standard Vehicles: Finance up to 110% of retail value, excluding tags, title, taxes, and extended warranties. Electric Vehicles: Finance up to 90% of retail value. Loan amounts may exceed maximum when financing includes Mechanical Repair Coverage, GAP/GAP Plus Coverage, or Extended Warranties. 'As Low As' rates include Riegel FCU Autopay discount, when applicable. Refinancing an existing Riegel auto loan: Refinancing to reduce the interest rate is not permitted. Refinancing at the same or a higher rate remains subject to approval. New Car - 2026 Model Year 2025 Model Year will be considered a new car until March 31, 2026. The vehicle being purchased must have less than 3,000 miles to be considered new. 72 month financing available on loans of $18,000.00 or more. 84 month financing available on loans of $30,000.00 or more. 96 month financing available on loans of $50,000.00 or more.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.29% | 'As Low As' rates include Riegel FCU Autopay discount, when applicable. |
| up to 48 months | 4.49% | 'As Low As' rates include Riegel FCU Autopay discount, when applicable. |
| up to 60 months | 4.59% | 'As Low As' rates include Riegel FCU Autopay discount, when applicable. |
| up to 72 months | 4.99% | 'As Low As' rates include Riegel FCU Autopay discount, when applicable. 72 month financing available on loans of $18,000.00 or more. |
| up to 84 months | 5.59% | 'As Low As' rates include Riegel FCU Autopay discount, when applicable. 84 month financing available on loans of $30,000.00 or more. |
| up to 96 months | 6.29% | 'As Low As' rates include Riegel FCU Autopay discount, when applicable. 96 month financing available on loans of $50,000.00 or more. |
Used Vehicle (Car & Motorcycle)
Loan approvals are based on credit worthiness, vehicle qualifications, and available terms. Standard Vehicles: Finance up to 100% of retail value. Electric Vehicles: Finance up to 90% of retail value. Financing may exceed maximum limits when mechanical repair coverage, GAP/GAP Plus coverage, or extended warranties are included. 'As Low As' rates include Riegel FCU Autopay discount, when applicable. Refinancing an existing Riegel auto loan: Refinancing to reduce the interest rate is not permitted. Refinancing at the same or a higher rate remains subject to approval. Used Car - Model years '25 & '26 can be financed up to 84 months w/loan of $30,000.00 or more. Used Car - Model years '24 & '25 can be financed up to 72 months w/loan of $18,000.00 or more. Model years 2021 and newer can be financed for up to 60 months. Model years 2016 and newer can be financed for up to 48 months. Vehicles Over 10 Years Old: All vehicles over 10 years old receive a +2.50% rate adjustment.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.29% | 'As Low As' rates include Riegel FCU Autopay discount, when applicable. |
| up to 48 months | 5.49% | 'As Low As' rates include Riegel FCU Autopay discount, when applicable. |
| up to 60 months | 5.59% | 'As Low As' rates include Riegel FCU Autopay discount, when applicable. |
| up to 72 months | 5.99% | 'As Low As' rates include Riegel FCU Autopay discount, when applicable. 72 month financing available on loans of $18,000.00 or more. |
| up to 84 months | 6.59% | 'As Low As' rates include Riegel FCU Autopay discount, when applicable. 84 month financing available on loans of $30,000.00 or more. |
Who can join Riegel Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or go to school in Hunterdon County, NJ, or specific municipalities in Bucks County, PA, are eligible to join.
Employers and groups
- Businesses and other legal entities located in the designated service area are eligible for membership.
- Employees of Riegel Federal Credit Union are eligible to join.
- Persons retired as pensioners or annuitants from qualifying employment are eligible to join.
Family and household
- Immediate family members or household members of eligible persons can join.
- Spouses of persons who died while within the field of membership are eligible to join.
1 more way to join
Other ways
- Organizations of eligible persons are eligible for membership.
Cost to join
- A minimum deposit of $100.00 into a savings account is required.
- A $1.00 membership fee per member is required.
Membership information collected October 5, 2026.