Credit union · NCUA insured
Sun East Federal Credit Union Auto Loan Rates
Sun East Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Sun East Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Sun East Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sun East Federal Credit Union
5.24%APR
- Terms
- up to 75 months
- Up to
- —
- Discount
- None included
Vehicle Loans
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Sun East Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sun East 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 Motorcycle Loans
New motorcycle loans. Advertised APRs are as-low-as top-tier rates for highly credit-qualified individuals and include a 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness, loan term, line requested, and loan-to-value ratio.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 6.29% | 24 to 48 Months; minimum loan $2,500. APR as low as 6.29% for highly credit-qualified borrowers. Stated APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. |
| 49–60 months | 6.54% | 49 to 60 Months; minimum loan $5,000. APR as low as 6.54% for highly credit-qualified borrowers. Stated APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. |
| 61–72 months | 6.79% | 61 to 72 Months; minimum loan $10,000 – maximum loan $35,000. APR as low as 6.79% for highly credit-qualified borrowers. Stated APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. |
Vehicle Loans
Consumer new or used vehicle loans. Advertised APRs are as-low-as top-tier rates for highly credit-qualified borrowers and include a 0.25% Automatic Payment Transfer discount from a Sun East checking account; the discount ends if autopay is discontinued. Rates also depend on creditworthiness, term, amount requested, and loan-to-value.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 5.24% | Up to 75 months; minimum loan $10,000. APR as low as 5.24% for highly credit-qualified borrowers. Stated APR includes 0.25% autopay discount from a Sun East checking account. Same product applies to new or used vehicles. |
| 76–84 months | 5.74% | 76 to 84 months; minimum loan $40,000. APR as low as 5.74% for highly credit-qualified borrowers. Stated APR includes 0.25% autopay discount from a Sun East checking account. Same product applies to new or used vehicles. |
| 85–96 months | 6.24% | 85 to 96 months; minimum loan $65,000. APR as low as 6.24% for highly credit-qualified borrowers. Stated APR includes 0.25% autopay discount from a Sun East checking account. Same product applies to new or used vehicles. |
Sources (3)
All captured Oct 16, 2026
Who can join Sun East Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone who joins the Sun East Foundation for free, with Sun East FCU covering the initial $10 contribution.
Where you live or work
- Membership is open to individuals who live, work, or worship in eligible community areas, including Nottingham, PA, Oxford, PA, Philadelphia, PA, Newark, DE, and Wilmington, DE.
Employers and groups
- Membership is open to individuals employed by or members of participating Select Employer Group (SEG) Partners.
Family and household
- Membership is open to immediate family members (spouse, parent, grandparent, grandchild, child, sibling) of a current member.
Cost to join
- An initial $5 deposit into a savings account is required to establish membership.
Membership information collected October 5, 2026.