Credit union · NCUA insured
State Department Federal Credit Union Auto Loan Rates
State Department 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 State Department Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where State Department Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
State Department Federal Credit Union
4.49%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New Auto
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
State Department 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 State Department 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 Refinance
Terms up to 84 months. Fixed low rates. No first payment for 90 days. No early payoff penalties. Excludes existing SDFCU auto loans and cannot be used to refinance existing SDFCU loans. Up to 0.50% rate reduction with bundling.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49% | Fixed rate; terms up to 84 months. Includes discount where applicable. |
Sources (1)
- sdfcu.org/vehicle-loans-auto-refinance · captured Oct 4, 2026
New Auto
APR includes a 0.25% automatic payment and direct deposit rate discount (minimum $200 monthly direct deposit required). Rate based on evaluation of applicant's credit. Up to 0.50% off with bundling (direct deposit, autopay, and loan protection product). No first payment for 90 days. Classic/antique vehicles financed as personal loans. Auto Loan Express Checks cannot be used on Boats, RV and Other Vehicle Loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit). |
| 37–48 months | 4.24% | Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit). |
| 49–60 months | 4.49% | Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit). |
| 61–72 months | 4.99% | Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit). |
| 73–84 months | 5.74% | Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit). Applicable for balances/amounts of $25,000. |
Sources (1)
- sdfcu.org/auto-and-other-vehicle-loans · captured Oct 4, 2026
Used Auto (2024 & Older)
For model years 2024 & older. APR includes a 0.25% automatic payment and direct deposit rate discount (minimum $200 monthly direct deposit required). Rate based on evaluation of applicant's credit. Up to 0.50% off with bundling. No first payment for 90 days. Classic/antique vehicles financed as personal loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit). |
| 37–48 months | 4.74% | Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit). |
| 49–60 months | 4.99% | Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit). |
| 61–72 months | 5.24% | Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit). |
| 73–84 months | 5.74% | Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit). Applicable for balances/amounts of $25,000. |
Sources (1)
- sdfcu.org/auto-and-other-vehicle-loans · captured Oct 4, 2026
Who can join State Department Federal Credit Union
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