Credit union · NCUA insured
SECU Credit Union Auto Loan Rates
SECU Credit Union auto loans start at 7.79% APR for a new vehicle and 7.79% for a used one. Rates checked October 22, 2026.
How SECU Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where SECU Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SECU Credit Union
7.79%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
First-Time Auto Buyer Loan
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
SECU Credit Union auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew7.79%
- Used vehicleUsed7.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SECU 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.
First-Time Auto Buyer Loan
Borrow up to $25,000.00. Must have a minimum credit score of 680, at least 18 years old, credit history of at least 1 year, minimum of one account on credit report (excluding student loans/authorized user tradelines), no auto trade history, employed in same job/field for at least 6 months, proof of employment/income, at least 5% down payment, and purchase from a factory authorized dealer. Maximum loan to value is 95% before add-ons or 105% with add-ons. Rate includes autopay. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.79% | Rates as low as 7.79% APR for terms up to 72 months. Borrow up to $25,000. Includes autopay discount. |
Sources (1)
- secumd.org/personal/banking/bo…rst-time-auto-buyer-loan · captured Oct 4, 2026
New Auto or Truck Purchase/Refinance
New auto or truck refinance is for vehicles that are less than 12 months old and registered to the original owner. Advertised rates include auto pay discount (direct loan payment option from a SECU account). Membership required. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.04% | Monthly payment is $29.54 per $1,000. No minimum loan amount. |
| 48–60 months | 4.54% | Monthly payment is $22.82, $18.66 per $1,000. No minimum loan amount. |
| up to 72 months | 5.14% | Monthly payment is $16.17 per $1,000. Minimum loan amount is $15,000. |
| up to 84 months | 5.89% | Monthly payment is $14.56 per $1,000. Minimum loan amount is $35,000. |
Sources (1)
- secumd.org/rates-calculators · captured Oct 4, 2026
Used Auto or Truck Purchase/Refinance
Advertised rates include auto pay discount (direct loan payment option from a SECU account). Refinance rates are based on refinancing from another institution; refinance of a SECU auto loan may yield a higher rate. Membership required. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.29% | Monthly payment is $29.65 per $1,000. No minimum loan amount. |
| 48–60 months | 4.79% | Monthly payment is $22.93, $18.78 per $1,000. No minimum loan amount. |
| up to 72 months | 5.39% | Monthly payment is $16.29 per $1,000. Minimum loan amount is $15,000. |
| up to 84 months | 6.14% | Monthly payment is $14.68 per $1,000. Minimum loan amount is $35,000. |
Sources (1)
- secumd.org/rates-calculators · captured Oct 4, 2026
Who can join SECU Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.