Credit union · NCUA insured
RTP Federal Credit Union Auto Loan Rates
RTP Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How RTP Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Raleigh, NC, where RTP Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
RTP Federal Credit Union
3.99%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
Welcome Federal Credit Union
3.50%APR
- Terms
- 60–84 months
2nd-lowest rate
ElecTel Cooperative Federal Credit Union
3.65%APR
- Terms
- up to 84 months
RTP Federal Credit Union auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where RTP 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.
Auto Loans
Fixed rates only. Up to 125% financing available. Rate and terms may vary based on credit history and profile.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.99% | New Vehicles. Maximum term for lowest rate is 60 months (terms up to 5 years). Up to 125% financing available. |
| up to 120 months | 4.99% | Used Vehicles. Terms up to 10 years; maximum term for lowest rate is 60 months. Up to 125% financing available. |
Sources (2)
All captured Oct 15, 2026
First Time Auto Loan
Minimum of $500 cash down. Minimum 6 months employment with present employer. Minimum gross monthly income of $1,500. No credit required, however, no derogatory credit is allowed. No car loans on credit report (will allow refinance of vehicle purchased within the last 6 months).
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 8.50% | Maximum loan amount of $15,000. Terms up to 63 months. Minimum $500 cash down. |
Sources (2)
All captured Oct 15, 2026
Motorcycle Loans
Fixed Rates only. 125% financing available. Flexible terms available. Loan rates and credit approval may vary depending on each individual's creditworthiness and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.74% | Maximum term for lowest rate is 60 months. 125% financing available. Flexible terms available. |
Sources (1)
- rtpfcu.org/home/rates/loan · captured Oct 15, 2026
Who can join RTP 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, worship, work, or attend school in, and businesses and other legal entities located within specified community areas are eligible for membership.
Employers and groups
- Individuals associated with one of over 300 sponsored businesses and associations in the RTP and greater Triangle area are eligible for membership.
- Individuals are eligible for membership by joining the North Carolina Consumer Council.
Family and household
- Immediate family members of current RTP Federal Credit Union members (spouses, parents, children, brothers, sisters, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships) are eligible to join.
- Persons living in the same residence maintaining a single economic unit with a current member (including domestic partners, foster children, legal guardians, and roommates) are eligible to join.
Membership information collected October 4, 2026.