Credit union · NCUA insured
Switch Federal Credit Union Auto Loan Rates
Top CarrotSwitch Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Switch Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hermitage, PA, where Switch Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Switch Federal Credit Union
5.00%APR
- Terms
- up to 84 months
Car, Truck, and Van Loans (NEW 2025, 2026)
Lowest rate
Pennstar Federal Credit Union
3.99%APR
- Terms
- up to 60 months
2nd-lowest rate
Grove City Area Federal Credit Union
4.35%APR
- Terms
- up to 60 months
Switch Federal Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Switch 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.
Car, Truck, and Van Loans (NEW 2025, 2026)
Rate based on creditworthiness and term of loan. Up to 125% financing. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.00% | up to 84 month term. Call for other rates & terms. |
Car, Truck, and Van Loans (Used 2020 & older)
Rate based on creditworthiness and term of loan. Up to 125% financing. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50% | Maximum Term 60 months. |
Car, Truck, and Van Loans (Used 2021, 2022 & 2023)
Rate based on creditworthiness and term of loan. Up to 125% financing. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50% | 60 month term. Call for other rates & terms. |
Car, Truck, and Van Loans (Used 2024 & 2025)
Rate based on creditworthiness and term of loan. Up to 125% financing. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50% | 60 month term. Call for other rates & terms. |
Who can join Switch Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, do business in, worship, or attend school in Mercer County, Pennsylvania are eligible to join.
Family and household
- Immediate family members of eligible members are welcome to join.
Cost to join
- There are no membership fees, but an initial minimum deposit of $50 in a Share Account (regular savings account) is required to establish and maintain membership.
Membership information collected October 5, 2026.