Credit union · NCUA insured
Strategic FCU Auto Loan Rates
Strategic FCU auto loans start at 4.70% APR for a new vehicle and 5.20% for a used one. Rates checked October 22, 2026.
How Strategic FCU’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Strategic FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Strategic FCU
4.70%APR
- Terms
- up to 60 months
New Auto Loans
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
Strategic FCU auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew4.70%
- Used vehicleUsed5.20%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Strategic FCU 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 Loans
Finance up to 100% of purchase price (includes taxes, tags & extended warranties). Rates subject to change without notice; rates quoted are lowest/best offered, based on credit performance rate may be higher. Maximum amount $100,000. Skip-A-Pay program available up to twice a year for $35 processing fee per request.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.20% | 100% financing (includes taxes, tags & extended warranties); maximum term up to 36 months; maximum loan amount $100,000. Quoted rate is the best/lowest rate. |
| up to 48 months | 4.40% | 100% financing (includes taxes, tags & extended warranties); maximum term up to 48 months; maximum loan amount $100,000. Quoted rate is the best/lowest rate. |
| up to 60 months | 4.70% | 100% financing (includes taxes, tags & extended warranties); maximum term up to 60 months; maximum loan amount $100,000. Quoted rate is the best/lowest rate. |
| up to 72 months | 4.90% | 100% financing (includes taxes, tags & extended warranties); minimum loan amount $20,000, maximum $100,000; maximum term up to 72 months. Quoted rate is the best/lowest rate. |
| up to 84 months | 5.20% | 100% financing (includes taxes, tags & extended warranties); minimum loan amount $20,000, maximum $100,000; maximum term up to 84 months. Quoted rate is the best/lowest rate. |
Sources (3)
All captured Oct 7, 2026
Used Auto
Financing available up to 100% NADA retail value for used models up to 5 years old. Rates subject to change without notice; rates quoted are lowest/best offered, based on credit performance rate may be higher. Skip-A-Pay program available up to twice a year for $35 processing fee per request.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.70% | Vehicles up to 5 years old; financing up to 100% NADA retail value; maximum term up to 36 months. Quoted rate is the best/lowest rate. |
| up to 48 months | 4.90% | Vehicles up to 5 years old; financing up to 100% NADA retail value; maximum term up to 48 months. Quoted rate is the best/lowest rate. |
| up to 60 months | 5.20% | Vehicles up to 5 years old; financing up to 100% NADA retail value; maximum term up to 60 months. Quoted rate is the best/lowest rate. |
| up to 72 months | 5.40% | Vehicles up to 5 years old; minimum loan amount $20,000; financing up to 100% NADA retail value; maximum term up to 72 months. Quoted rate is the best/lowest rate. |
| up to 84 months | 5.70% | Vehicles up to 5 years old; minimum loan amount $20,000; financing up to 100% NADA retail value; maximum term up to 84 months. Quoted rate is the best/lowest rate. |
Sources (3)
All captured Oct 7, 2026
Who can join Strategic FCU
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