Credit union · NCUA insured
Teachers Federal Credit Union Auto Loan Rates
Teachers 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 Teachers Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Teachers Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Teachers Federal Credit Union
4.99%APR
- Terms
- —
- Discount
- None included
New & Used Auto Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Teachers 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 Teachers 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 Loan Refinancing
Membership required by opening a minimum $1 Regular Share Savings or Youth Savings account prior to loan closing.
| Terms | APR | Conditions |
|---|---|---|
| 24+ months | 5.39% | Available when refinancing a new or used vehicle for a minimum of 24 months. Actual APR depends on creditworthiness, vehicle information, loan amount, and other underwriting criteria. No prepayment penalties. |
Sources (2)
- teachersfcu.org/personal-banking/vehicle-loans
- teachersfcu.org/personal-banki…cle-loans/auto-refinance
All captured Oct 7, 2026
New & Used Auto Loans
Membership required by opening a minimum $1 Regular Share Savings or Youth Savings account prior to loan closing.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Available on qualifying new and used auto purchase loans. Actual APR depends on creditworthiness, vehicle information, loan amount, and other underwriting criteria. No prepayment penalties. |
Sources (3)
- teachersfcu.org/personal-banking/vehicle-loans
- teachersfcu.org/personal-banki…vehicle-loans/auto-loans
- teachersfcu.org
All captured Oct 7, 2026
Who can join Teachers 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This may be incomplete or out of date, so check with the credit union before you apply.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 nationwide to anyone and everyone under an open charter.
Membership information collected October 5, 2026.