Credit union · NCUA insured
Securityplus Federal Credit Union Auto Loan Rates
Securityplus Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Securityplus Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where Securityplus Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Securityplus Federal Credit Union
4.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New Auto 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
Securityplus Federal Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Securityplus 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
Rates reflect a 0.25% discount for automatic loan repayment. Rates may vary based on term, application, and applicant's credit history.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.24% | As low as rate. Rate shown reflects a 0.25% discount for automatic loan repayment. |
| 37–48 months | 4.49% | As low as rate. Rate shown reflects a 0.25% discount for automatic loan repayment. |
| 49–60 months | 4.74% | As low as rate. Rate shown reflects a 0.25% discount for automatic loan repayment. |
| 61–72 months | 4.99% | As low as rate. Rate shown reflects a 0.25% discount for automatic loan repayment. |
| 73–84 months | 5.74% | As low as rate. Rate shown reflects a 0.25% discount for automatic loan repayment. |
Sources (2)
- securityplusfcu.org/personal/b…uto-loans/new-auto-loans
- securityplusfcu.org/personal/b…uto-loans/auto-refinance
All captured Oct 15, 2026
Refinance Your Vehicle
Membership eligibility required. Rates reflect a 0.25% discount for automatic loan repayment. Refinancing not available for existing Securityplus loans. Rates may vary based on term, application, and applicant's creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.24% | As low as rate for New Car refinancing. Rate shown includes a 0.25% discount for automatic loan repayment. |
| 12–36 months | 4.74% | As low as rate for Used Car refinancing. Rate shown includes a 0.25% discount for automatic loan repayment. |
| 37–48 months | 4.49% | As low as rate for New Car refinancing. Rate shown includes a 0.25% discount for automatic loan repayment. |
| 37–48 months | 4.99% | As low as rate for Used Car refinancing. Rate shown includes a 0.25% discount for automatic loan repayment. |
| 49–60 months | 4.74% | As low as rate for New Car refinancing. Rate shown includes a 0.25% discount for automatic loan repayment. |
| 49–60 months | 5.24% | As low as rate for Used Car refinancing. Rate shown includes a 0.25% discount for automatic loan repayment. |
| 61–72 months | 4.99% | As low as rate for New Car refinancing. Rate shown includes a 0.25% discount for automatic loan repayment. |
| 61–72 months | 5.49% | As low as rate for Used Car refinancing. Rate shown includes a 0.25% discount for automatic loan repayment. |
| 73–84 months | 5.74% | As low as rate for New Car refinancing. Rate shown includes a 0.25% discount for automatic loan repayment. |
| 73–84 months | 6.24% | As low as rate for Used Car refinancing. Rate shown includes a 0.25% discount for automatic loan repayment. |
Sources (2)
- securityplusfcu.org/personal/borrow/auto-loans
- securityplusfcu.org/personal/b…uto-loans/auto-refinance
All captured Oct 15, 2026
Used Auto Loan
Rates reflect a 0.25% discount for automatic loan repayment. Rates may vary based on term, application, and applicant's credit history.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.74% | As low as rate. Rate shown reflects a 0.25% discount for automatic loan repayment. |
| 37–48 months | 4.99% | As low as rate. Rate shown reflects a 0.25% discount for automatic loan repayment. |
| 49–60 months | 5.24% | As low as rate. Rate shown reflects a 0.25% discount for automatic loan repayment. |
| 61–72 months | 5.49% | As low as rate. Rate shown reflects a 0.25% discount for automatic loan repayment. |
| 73–84 months | 6.24% | As low as rate. Rate shown reflects a 0.25% discount for automatic loan repayment. |
Sources (2)
- securityplusfcu.org/personal/b…to-loans/used-auto-loans
- securityplusfcu.org/personal/b…uto-loans/auto-refinance
All captured Oct 15, 2026
Who can join Securityplus Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.