Credit union · NCUA insured
The Atlantic Federal Credit Union Auto Loan Rates
Top CarrotThe Atlantic Federal Credit Union auto loans start at 6.29% APR for a new vehicle and 6.49% for a used one. Rates checked October 22, 2026.
How The Atlantic Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where The Atlantic Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
The Atlantic Federal Credit Union
6.29%APR
- Terms
- 49–72 months
- Discount
- None included
New Auto Loan
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
The Atlantic Federal Credit Union auto loan score
63
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew6.29%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The Atlantic 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.
Lease-Like Auto Loan
Also referred to as Payment Saver Auto Loan. Available for new vehicles with less than 5,000 miles. Minimum loan amount of $10,000. Loan amount is based on the purchase price, less the residual value of the vehicle. Residual values are determined and locked at the start of the loan based on the Automotive Leasing Guide. Standard terms of 36, 48 and 60 months apply, with any interim term defaulting to the higher standard term's rate. There are no origination or termination fees. Pre-approval valid for 45 days. Member is responsible for any fees associated with transferring of title. At maturity, borrower(s) must pay the full outstanding balance with option to refinance, pay off, or trade in at a dealer.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.69% | New Auto APR as low as 5.69% for terms up to 36 months. Payment per $1,000 borrowed is $30.28 (36-month term). Minimum loan amount of $10,000. |
| 37–48 months | 6.09% | New Auto APR as low as 6.09% for terms from 37 to 48 months. Payment per $1,000 borrowed is $23.53 (48-month term). Minimum loan amount of $10,000. |
| 49–60 months | 6.89% | New Auto APR as low as 6.89% for terms from 49 to 60 months. Payment per $1,000 borrowed is $19.75 (60-month term). Minimum loan amount of $10,000. |
Sources (2)
All captured Oct 4, 2026
Motorcycle Loan
Subject to credit approval. Offered to Members meeting select credit criteria. Rates are subject to change without notice. Minimum loan amounts will vary by term. Payment example: A $10,000 loan at 12.00% APR with a term of 5 years would result in 60 monthly payments of $222.44.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 12.00% | New & Used Motorcycle APR as Low as 12.00% for terms up to 60 Months. Payment Per $1,000 Borrowed is $22.24 (60-month term). |
Sources (2)
All captured Oct 4, 2026
New Auto Loan
Subject to credit approval. Offered to Members meeting select credit criteria. Up to 115% financing available, including tax, title and extended warranty. Pre-approval valid for 45 days. Minimum loan amounts will vary by term. Member is responsible for any fees associated with transferring of title.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.79% | New Auto APR as low as 5.79% for terms up to 48 months. Payment per $1,000 borrowed is $23.39 (48-month term). |
| 49–72 months | 6.29% | New Auto APR as low as 6.29% for terms 49 - 72 months. Payment per $1,000 borrowed is $16.71 (72-month term). |
| 73–84 months | 7.39% | New Auto APR as low as 7.39% for terms 73 - 84 months. Payment per $1,000 borrowed is $15.28 (84-month term). |
Sources (2)
All captured Oct 4, 2026
Used Auto Loan
Subject to credit approval. Offered to Members meeting select credit criteria. Financing is available for vehicles up to the previous nine model years. Minimum loan amounts will vary by term. Member is responsible for any fees associated with transferring of title.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.39% | Used Auto APR as low as 6.39% for terms up to 48 months. Payment per $1,000 borrowed is $23.66 (48-month term). |
| 49–72 months | 6.49% | Used Auto APR as low as 6.49% for terms 49 - 72 months. Payment per $1,000 borrowed is $16.81 (72-month term). |
| 73–84 months | 7.79% | Used Auto APR as low as 7.79% for terms 73 - 84 months. Payment per $1,000 borrowed is $15.48 (84-month term). |
Sources (2)
All captured Oct 4, 2026
Who can join The Atlantic Federal Credit Union
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