Credit union · NCUA insured
Tendto Credit Union Auto Loan Rates
Top CarrotTendto Credit Union auto loans start at 5.29% APR for a new vehicle and 5.44% for a used one. Rates checked October 16, 2026.
How Tendto Credit Union’s auto loan rates compare
Compared with banks and credit unions near Erie, PA, where Tendto Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tendto Credit Union
5.29%APR
- Terms
- up to 60 months
New Auto Loans (2026)
Lowest rate
Americo FCU
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Tri State Rail Federal Credit Union
4.49%APR
- Terms
- 49–60 months
Tendto Credit Union auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.44%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tendto 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 Promotional Financing
Must join Tendto or already be a member in good standing to take advantage of this offer. All rates subject to change and based on creditworthiness. The rate may vary depending on each individual’s credit history and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24% | Rates as low as 4.24% APR for 24 months for new vehicles or refinancing. Payment example: $44.98 per $1,000 borrowed with payment protection. |
Sources (2)
All captured Oct 6, 2026
New Auto Loans (2026)
All rates subject to change and based on creditworthiness. Rate may vary depending on individual's credit history and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.69% | Payment example: $45.19 per $1,000 borrowed with Payment Protection. |
| up to 36 months | 4.84% | Payment example: $31.35 per $1,000 borrowed with Payment Protection. |
| up to 48 months | 4.99% | Payment example: $24.50 per $1,000 borrowed with Payment Protection. |
| up to 60 months | 5.29% | Payment example: $20.50 per $1,000 borrowed with Payment Protection. |
| up to 72 months | 5.54% | Payment example: $17.88 per $1,000 borrowed with Payment Protection. |
| up to 84 months | 5.79% | Payment example: $16.07 per $1,000 borrowed with Payment Protection. |
| up to 96 months | 6.54% | Payment example: $14.99 per $1,000 borrowed with Payment Protection. |
Sources (1)
- tendtocu.com/Rates-Fees · captured Sep 26, 2026
Used Auto Loans (2011 - 2013)
All rates subject to change and based on creditworthiness. The rate may vary depending on each individual’s credit history and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 8.19% | Payment example: $46.80 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 36 months | 8.34% | Payment example: $32.99 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 48 months | 8.49% | Payment example: $26.18 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 60 months | 8.79% | Payment example: $22.22 per $1000 borrowed for the rate and term specified with Payment Protection. |
Sources (1)
- tendtocu.com/Rates-Fees · captured Oct 6, 2026
Used Auto Loans (2014 - 2018)
All rates subject to change and based on creditworthiness. The rate may vary depending on each individual’s credit history and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.69% | Payment example: $46.10 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 36 months | 6.84% | Payment example: $32.28 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 48 months | 6.99% | Payment example: $25.45 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 60 months | 7.29% | Payment example: $21.47 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 72 months | 7.54% | Payment example: $18.88 per $1000 borrowed for the rate and term specified with Payment Protection. |
Sources (1)
- tendtocu.com/Rates-Fees · captured Oct 6, 2026
Used Auto Loans (2019 - 2023)
All rates subject to change and based on creditworthiness. The rate may vary depending on each individual’s credit history and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.44% | Payment example: $45.53 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 36 months | 5.59% | Payment example: $31.70 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 48 months | 5.74% | Payment example: $24.85 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 60 months | 6.04% | Payment example: $20.86 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 72 months | 6.29% | Payment example: $18.25 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 84 months | 6.54% | Payment example: $16.45 per $1000 borrowed for the rate and term specified with Payment Protection. |
Sources (1)
- tendtocu.com/Rates-Fees · captured Oct 6, 2026
Used Auto Loans (2024 - 2025)
All rates subject to change and based on creditworthiness. The rate may vary depending on each individual’s credit history and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.84% | Payment example: $45.26 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 36 months | 4.99% | Payment example: $31.42 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 48 months | 5.14% | Payment example: $24.57 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 60 months | 5.44% | Payment example: $20.57 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 72 months | 5.69% | Payment example: $17.96 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 84 months | 5.94% | Payment example: $16.14 per $1000 borrowed for the rate and term specified with Payment Protection. |
| up to 96 months | 6.69% | Payment example: $15.06 per $1000 borrowed for the rate and term specified with Payment Protection. |
Sources (1)
- tendtocu.com/Rates-Fees · captured Oct 6, 2026
Who can join Tendto Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.