Credit union · NCUA insured
Signature Federal Credit Union Auto Loan Rates
Top CarrotSignature Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Signature Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Signature Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Signature Federal Credit Union
5.25%APR
- Terms
- up to 60 months
New Auto and Motorcycle Loans
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Signature Federal Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Signature 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 and Motorcycle Loans
100% financing. Rates quoted assume excellent borrower credit history; actual APR determined at application based on creditworthiness. Receive a 0.25% discount off approved rate by adding GAP insurance or Auto Warranty Protection at loan request. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | Estimated payment $43.65 per $1,000 Financed. |
| up to 36 months | 4.75% | Estimated payment $29.89 per $1,000 Financed. |
| up to 48 months | 5.00% | Estimated payment $23.04 per $1,000 Financed. |
| up to 60 months | 5.25% | Estimated payment $18.99 per $1,000 Financed. |
| up to 72 months | 5.50% | Estimated payment $16.34 per $1,000 Financed. |
| up to 84 months | 5.75% | Estimated payment $14.50 per $1,000 Financed. |
| up to 96 months | 6.25% | Estimated payment $13.27 per $1,000 Financed. |
Used Auto and Motorcycle Loans
100% financing. Rates quoted assume excellent borrower credit history; actual APR determined at application based on creditworthiness. Receive a 0.25% discount off approved rate by adding GAP insurance or Auto Warranty Protection at loan request. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | Estimated payment $43.88 per 1,000 Financed. |
| up to 36 months | 5.25% | Estimated payment $30.09 per 1,000 Financed. |
| up to 48 months | 5.50% | Estimated payment $23.26 per 1,000 Financed. |
| up to 60 months | 5.75% | Estimated payment $19.22 per 1,000 Financed. |
| up to 72 months | 6.00% | Estimated payment $16.58 per 1,000 Financed. |
| up to 84 months | 6.75% | Estimated payment $14.98 per 1,000 Financed. |
| up to 96 months | 7.50% | Estimated payment $13.89 per 1,000 Financed. |
Who can join Signature Federal Credit Union
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