Credit union · NCUA insured
Sarco Federal Credit Union Auto Loan Rates
Sarco Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Sarco Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where Sarco Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sarco Federal Credit Union
4.50%APR
- Terms
- up to 60 months
NEW AUTO LOAN
Lowest rate
APCI Federal Credit Union
4.24%APR
- Terms
- up to 60 months
3rd-lowest rate
Lehigh Valley Educators CU
4.69%APR
- Terms
- up to 60 months
Sarco Federal Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sarco 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 AUTO LOAN
Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | Term up to 3 years |
| up to 48 months | 4.25% | Term up to 4 years |
| up to 60 months | 4.50% | Term up to 5 years |
| up to 72 months | 5.25% | Term up to 6 years |
| up to 84 months | 5.99% | Term up to 7 years |
Sources (1)
- sarcofcu.org/rates · captured Oct 6, 2026
Summer Loan Specials - Vehicle Refinance
Vehicle refinance for cars purchased in the last 4 months. Rates are based on credit scores over 700 and good credit union history. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 1.99% | For vehicles purchased in the last 4 months; credit scores over 700 and good credit union history. |
| up to 36 months | 2.99% | For vehicles purchased in the last 4 months; credit scores over 700 and good credit union history. |
| up to 48 months | 3.99% | For vehicles purchased in the last 4 months; credit scores over 700 and good credit union history. |
Sources (1)
- sarcofcu.org/summer-loan-specials · captured Oct 6, 2026
USED AUTO LOAN
Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | Term up to 4 years |
| up to 60 months | 5.25% | Term up to 5 years |
| up to 72 months | 5.50% | Term up to 6 years |
| up to 84 months | 5.99% | Term up to 7 years; up to 2 year old models |
Sources (1)
- sarcofcu.org/rates · captured Oct 6, 2026
VEHICLES OVER 6 YEARS OLD
Vehicles over 6 years old. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.00% | Up to 4 years term |
| up to 60 months | 9.00% | 5 year term |
Sources (1)
- sarcofcu.org/rates · captured Oct 6, 2026
Who can join Sarco 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
- Membership is open to anyone who lives, works, worships, or goes to school / attends school in Bethlehem, Pennsylvania.
Membership information collected October 5, 2026.