Credit union · NCUA insured
SkyPoint Federal Credit Union Auto Loan Rates
Top CarrotSkyPoint Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How SkyPoint Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where SkyPoint Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SkyPoint Federal Credit Union
4.49%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New Auto Loan
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
SkyPoint Federal Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SkyPoint 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
Fixed rates. Up to $100,000 loan amounts. Finance a 2019 model car or newer. Rates include 0.25% discount for automatic transfer payments; if automatic transfer stops, APR may increase. New vehicle eligible for refinance if original owner and purchased within last 6 months (current or previous model year). Up to 60 days no payments (interest continues to accrue).
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.34% | Includes 0.25% discount for automatic transfer payments. |
| 37–48 months | 4.49% | Includes 0.25% discount for automatic transfer payments. |
| 49–60 months | 4.49% | Includes 0.25% discount for automatic transfer payments. |
| 61–72 months | 4.74% | Minimum $25,000 loan amount. Includes 0.25% discount for automatic transfer payments. |
| 73–84 months | 5.74% | Minimum $25,000 loan amount. Includes 0.25% discount for automatic transfer payments. |
Used Auto Loan
Fixed rates. Up to $100,000 loan amounts. Rates include 0.25% discount for automatic transfer payments; if automatic transfer stops, APR may increase. Up to 60 days no payments (interest continues to accrue).
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.84% | Includes 0.25% discount for automatic transfer payments. |
| 37–48 months | 4.99% | Includes 0.25% discount for automatic transfer payments. |
| 49–60 months | 4.99% | Includes 0.25% discount for automatic transfer payments. |
| 61–72 months | 5.24% | Minimum $25,000 loan amount. Includes 0.25% discount for automatic transfer payments. |
| 73–84 months | 6.24% | Minimum $25,000 loan amount. Includes 0.25% discount for automatic transfer payments. |
Who can join SkyPoint 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
- Individuals who live, work, attend school, worship, or volunteer in Alexandria, VA; Arlington County, VA; District of Columbia; Falls Church, VA; Frederick County, MD; or Montgomery County, MD are eligible to join.
Family and household
- All family members of current members are eligible to join.
- Members of a household with an existing credit union member are eligible to join.
Membership information collected October 4, 2026.