Credit union · NCUA insured
Service 1st Federal Credit Union Auto Loan Rates
Service 1st Federal Credit Union auto loans start at 5.04% APR for a new vehicle and 5.04% for a used one. Rates checked October 16, 2026.
How Service 1st Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sunbury, PA, where Service 1st Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Service 1st Federal Credit Union
5.04%APR
- Terms
- up to 84 months
New Autos
Lowest rate
MC Federal Credit Union
4.60%APR
- Terms
- —
2nd-lowest rate
Central Keystone FCU
4.89%APR
- Terms
- 49–60 months
Service 1st Federal Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.04%
- Used vehicleUsed5.04%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Service 1st 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 Refinance
Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Rate fixed for term of loan. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.04% | Rates as low as 5.04% APR. Qualification based on creditworthiness and underwriting standards. |
Sources (1)
- service1.org/personal/borrowing/auto-loans · captured Oct 16, 2026
New Autos
Convenient on-the-spot dealer financing available at more than 100 area dealers. New autos financed up to 84 months. Rate fixed for term of loan. No prepayment penalties. Direct deposit and payroll deduction for easy repayment. Qualification is based on an assessment of individual creditworthiness and underwriting standards.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.04% | Rates as low as 5.04% APR. New autos financed up to 84 months. Qualification based on creditworthiness and underwriting standards. |
Sources (1)
- service1.org/personal/borrowing/auto-loans · captured Oct 16, 2026
Used Autos
Convenient on-the-spot dealer financing available at more than 100 area dealers. Terms for pre-owned autos vary depending on model year. Rate fixed for term of loan. No prepayment penalties. Direct deposit and payroll deduction for easy repayment. Qualification is based on an assessment of individual creditworthiness and underwriting standards.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.04% | Rates as low as 5.04% APR. Terms for pre-owned autos vary depending on model year. Qualification based on creditworthiness and underwriting standards. |
Sources (1)
- service1.org/personal/borrowing/auto-loans · captured Oct 16, 2026
Who can join Service 1st 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
- You are eligible for membership if you live, work, worship, attend school in, or operate a business or other legal entity located in qualified census tracts in Carbon, Columbia, Luzerne, Lycoming, Montour, Northumberland, Sullivan, Union, or Wyoming counties in PA.
Employers and groups
- You are eligible for membership if you work for one of Service 1st's Select Employee Groups.
Family and household
- You are eligible for membership if you have an immediate family member (child, spouse, sibling, parent, grandparent or grandchild) who is already a member of Service 1st.
- You are eligible for membership if an immediate family member (child, spouse, sibling, parent, grandparent or grandchild) lives, works, worships, attends school in, or operates a business or other legal entity located in qualified census tracts in designated Pennsylvania counties.
- You are eligible for membership if you have an immediate family member (child, spouse, sibling, parent, grandparent or grandchild) who works for one of Service 1st's Select Employee Groups.
Membership information collected October 5, 2026.