Credit union · NCUA insured
SRU Federal Credit Union Auto Loan Rates
SRU Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How SRU Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where SRU Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SRU Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loan (New)
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
SRU Federal Credit Union auto loan score
87
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SRU 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 Loan (New)
For members purchasing or refinancing a new car, SUV, or pickup truck. Rates shown are for qualified borrowers only and include a 0.25% rate discount on new consumer and real estate loans of $500.00 or more when periodic payments are automatically debited from a SRU FCU share draft checking account for the life of the loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50% | Includes a 0.25% rate discount for auto-debit from a SRU FCU share draft checking account on loans of $500.00 or more. |
| 61–72 months | 4.75% | Includes a 0.25% rate discount for auto-debit from a SRU FCU share draft checking account on loans of $500.00 or more. |
| 73–84 months | 6.00% | Includes a 0.25% rate discount for auto-debit from a SRU FCU share draft checking account on loans of $500.00 or more. |
Sources (2)
All captured Oct 16, 2026
Auto Loan (Used 2020 or older)
For members purchasing or refinancing a used 2020 or older car, SUV, or pickup truck. Available only for terms up to 48 months. Rates shown are for qualified borrowers only and include a 0.25% rate discount on new consumer and real estate loans of $500.00 or more when periodic payments are automatically debited from a SRU FCU share draft checking account for the life of the loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.50% | Available only for terms up to 48 months. Includes a 0.25% rate discount for auto-debit from a SRU FCU share draft checking account on loans of $500.00 or more. Model years 2020 or older. |
Sources (2)
All captured Oct 16, 2026
Auto Loan (Used 2021-23)
For members purchasing or refinancing a used 2021-23 car, SUV, or pickup truck. Rates shown are for qualified borrowers only and include a 0.25% rate discount on new consumer and real estate loans of $500.00 or more when periodic payments are automatically debited from a SRU FCU share draft checking account for the life of the loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.25% | Includes a 0.25% rate discount for auto-debit from a SRU FCU share draft checking account on loans of $500.00 or more. Model years 2021-2023. |
| 61–72 months | 6.50% | Includes a 0.25% rate discount for auto-debit from a SRU FCU share draft checking account on loans of $500.00 or more. Model years 2021-2023. |
| 73–84 months | 9.00% | Includes a 0.25% rate discount for auto-debit from a SRU FCU share draft checking account on loans of $500.00 or more. Model years 2021-2023. |
Sources (2)
All captured Oct 16, 2026
Auto Loan (Used 2024-26)
For members purchasing or refinancing a used 2024-26 car, SUV, or pickup truck. Rates shown are for qualified borrowers only and include a 0.25% rate discount on new consumer and real estate loans of $500.00 or more when periodic payments are automatically debited from a SRU FCU share draft checking account for the life of the loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00% | Includes a 0.25% rate discount for auto-debit from a SRU FCU share draft checking account on loans of $500.00 or more. Model years 2024-2026. |
| 61–72 months | 5.50% | Includes a 0.25% rate discount for auto-debit from a SRU FCU share draft checking account on loans of $500.00 or more. Model years 2024-2026. |
| 73–84 months | 7.00% | Includes a 0.25% rate discount for auto-debit from a SRU FCU share draft checking account on loans of $500.00 or more. Model years 2024-2026. |
Sources (2)
All captured Oct 16, 2026
Who can join SRU Federal Credit Union
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