Credit union · NCUA insured
Spectra Credit Union Auto Loan Rates
Spectra Credit Union auto loans start at 5.10% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Spectra Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Spectra Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Spectra Credit Union
5.10%APR
- Terms
- up to 60 months
New Vehicles
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
Spectra Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.10%
- 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 Spectra 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 Vehicles
Collision and comprehensive insurance required during life of loan. Membership eligibility required. Maximum loan to value of new vehicles is 105% including taxes, title, and warranty. New vehicles defined as current calendar year and prior year on which you are original owner. Minimum amount to qualify for 84 month financing is $30,000; minimum amount to finance a 96 month term is $50,000. Take an additional 0.25% off approved rate with Autopay from an internal Spectra account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.20% | Estimated monthly payment per $1,000 financed: $29.61. Take an additional 0.25% off approved rate with Autopay from internal Spectra account. |
| up to 48 months | 4.55% | Estimated monthly payment per $1,000 financed: $22.83. Take an additional 0.25% off approved rate with Autopay from internal Spectra account. |
| up to 60 months | 5.10% | Estimated monthly payment per $1,000 financed: $18.92. Take an additional 0.25% off approved rate with Autopay from internal Spectra account. |
| up to 72 months | 5.40% | Estimated monthly payment per $1,000 financed: $16.29. Take an additional 0.25% off approved rate with Autopay from internal Spectra account. |
| up to 84 months | 5.90% | Minimum amount to qualify for 84 month financing is $30,000. Estimated monthly payment per $1,000 financed: $14.56. Take an additional 0.25% off approved rate with Autopay from internal Spectra account. |
| up to 96 months | 6.40% | Minimum amount to finance a 96 month term is $50,000. Estimated monthly payment per $1,000 financed: $13.34. Take an additional 0.25% off approved rate with Autopay from internal Spectra account. |
Sources (1)
- spectracu.com/products/auto-loans · captured Oct 15, 2026
Used Vehicles
Collision and comprehensive insurance required during life of loan. Membership eligibility required. Maximum loan to value of used (prior year) is 105%, and older is 105% including taxes, title, and warranty. Not valid for vehicles over ten years old. Take an additional 0.25% off approved rate when signing up for Autopay from an internal Spectra account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | Estimated monthly payment per $1,000 financed: $29.72. Take an additional 0.25% off approved rate with Autopay from internal Spectra account. |
| up to 48 months | 5.20% | Estimated monthly payment per $1,000 financed: $23.12. Take an additional 0.25% off approved rate with Autopay from internal Spectra account. |
| up to 60 months | 5.75% | Estimated monthly payment per $1,000 financed: $19.22. Take an additional 0.25% off approved rate with Autopay from internal Spectra account. |
| up to 72 months | 6.05% | Estimated monthly payment per $1,000 financed: $16.60. Take an additional 0.25% off approved rate with Autopay from internal Spectra account. |
Sources (1)
- spectracu.com/products/auto-loans · captured Oct 15, 2026
Who can join Spectra Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.