Credit union · NCUA insured
St. Vincent Federal Credit Union Auto Loan Rates
St. Vincent Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How St. Vincent Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Erie, PA, where St. Vincent Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
St. Vincent Federal Credit Union
4.99%APR
- Terms
- up to 60 months
New Car / Motorcycle / ATV Loans
Lowest rate
Americo FCU
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Tri State Rail Federal Credit Union
4.49%APR
- Terms
- 49–60 months
St. Vincent Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- 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 St. Vincent 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 Car / Motorcycle / ATV Loans
Amount Financed: Either 100% of NADA retail value, or the purchase price - whichever is lower. Car loans can be re-financed at current new car rates within 3 months of original loan. Pre-Approval: New car loans can be pre-approved for up to 90 days. For new or never titled vehicles, maximum amount financed is MSRP plus tax, title, document fees, fixed monthly interest rate, dealer invoice required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | — |
| up to 48 months | 4.74% | — |
| up to 60 months | 4.99% | — |
| up to 72 months | 5.24% | — |
| up to 84 months | 5.59% | — |
Used Car / Motorcycle / ATV Loans (1 - 2 years old)
Model Year: 2024 - 2025. Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower. A dealer's invoice is required for all used vehicles purchased from the dealer.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Model Year 2024 - 2025 |
| up to 48 months | 4.74% | Model Year 2024 - 2025 |
| up to 60 months | 4.99% | Model Year 2024 - 2025 |
| up to 72 months | 5.24% | Model Year 2024 - 2025 |
| up to 84 months | 5.59% | Model Year 2024 - 2025 |
Used Car / Motorcycle / ATV Loans (3 - 6 years old)
Model Year: 2020 - 2023. Amount Financed: Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower. Older than 6 years will be at personal loan rate/terms. A dealer's invoice is required for all used vehicles purchased from the dealer.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Model Year 2020 - 2023 |
| up to 48 months | 5.24% | Model Year 2020 - 2023 |
| up to 60 months | 5.49% | Model Year 2020 - 2023 |
Who can join St. Vincent Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current employees, members, volunteers, and students of designated Select Employee Groups are eligible for membership.
Family and household
- Immediate family members or household members of an eligible individual qualify for membership.
Cost to join
- Opening a Share (Savings) Account with a minimum $5.00 deposit is required for membership.
Membership information collected October 5, 2026.