Credit union · NCUA insured
Signal Financial Auto Loan Rates
Signal Financial auto loans start at 5.24% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Signal Financial’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Signal Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Signal Financial
5.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Autos
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Signal Financial auto loan score
69
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Signal Financial 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 Autos
Fully available on vehicles that have never been titled and secured up to 120% financing of net discount price plus taxes, tags, GAP insurance and extended warranty. Applies to 2025-2026 model year vehicles with fewer than 1,000 miles that have never been titled. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Minimum credit score 580. Minimum loan amount $5,000. |
| up to 60 months | 5.24% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Minimum credit score 580. Minimum loan amount $5,000. |
| up to 72 months | 5.99% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Minimum credit score 580. Minimum loan amount $5,000. |
| 72–84 months | 6.24% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Terms between 72 and 84 months require $15,000 minimum loan amount and minimum 660 credit score. |
Sources (2)
All captured Oct 15, 2026
New Motorcycles
Applies to 2025-2026 model year vehicles with fewer than 1,000 miles. Financing available on amounts up to 100% of purchase price plus tax, tags, GAP and warranty. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Terms up to 66 months require $2,000 minimum loan amount. |
| up to 60 months | 5.24% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Terms up to 66 months require $2,000 minimum loan amount. |
| up to 72 months | 5.74% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Terms up to 66 months require $2,000 minimum loan amount; terms between 67 and 72 months require $15,000 minimum loan amount and minimum 660 credit score. |
Sources (2)
All captured Oct 15, 2026
Used Autos
Used Auto rates apply to vehicles up to 8 model years old that have been previously titled. Older models and 'Classic' or 'Antique' vehicles considered on exception basis. Financing available up to NADA retail value. Rates apply to new money loans; refinances of current Signal Financial FCU loans do not qualify for discounts/promotions. Will not finance vehicles sold 'As Is'. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Minimum credit score 580. Minimum loan amount $5,000. |
| up to 60 months | 5.99% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Minimum credit score 580. Minimum loan amount $5,000. |
| up to 72 months | 6.24% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Minimum credit score 580. Minimum loan amount $5,000. |
| 72–84 months | 6.74% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Terms between 72 and 84 months require $15,000 minimum loan amount and minimum 660 credit score. |
Sources (2)
All captured Oct 15, 2026
Used Motorcycles
Applies to model years 2017-2025 previously titled. Older models considered on an exception basis. Financing available up to 100% of NADA retail value (plus tax, tags, GAP and warranty). Rates apply to new money loans or refinances of current Signal Financial loans. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.74% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Terms up to 66 months require $2,000 minimum loan amount. |
| up to 60 months | 5.74% | As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Terms up to 66 months require $2,000 minimum loan amount. |
Sources (2)
All captured Oct 15, 2026
Who can join Signal Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Washington, DC or Prince George’s County, MD (inside the beltway) are eligible for membership.
Employers and groups
- Individuals who live or work at Leisure World of Maryland are eligible for membership.
- Employees or members of one of Signal Financial's Select Employer Groups (SEGs) are eligible for membership.
Family and household
- Individuals who live with or are related to a current Signal member are eligible for membership.
Other ways
- Individuals who reside in MD, DC, VA, WV, DE, PA, or NJ may qualify for membership by donating $5 to the Signal Financial Charitable Foundation, Inc.
Cost to join
- A $5 one-time membership share is required.
Membership information collected October 4, 2026.