Credit union · NCUA insured
Timberland Federal Credit Union Auto Loan Rates
Timberland 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 Timberland Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near State College, PA, where Timberland Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Timberland Federal Credit Union
4.99%APR
- Terms
- 61–72 months
- Up to
- —
- Discount
- None included
New & Used Vehicle Loans
2nd-lowest rate
Penn State Federal Credit Union
4.99%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Timberland 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 Timberland 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 & Used Vehicle Loans
Loans available for those who qualify and live, work, worship or attend school in Armstrong, Blair, Cambria, Cameron, Centre, Clarion, Clearfield, Clinton, Elk, Forest, Huntingdon, Indiana, Jefferson or Mifflin counties. Maximum terms based on model year and vehicle value. A member with savings/checking, previous/current loans, direct deposit, and automatic payment transfer could get a Loyalty Rewards discount up to 1.50%.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Standard APR as low as 4.49%. |
| up to 48 months | 2.99% | Best APR reflecting up to 1.50% Loyalty Rewards discount. |
| 49–60 months | 4.99% | Standard APR as low as 4.99%. |
| 49–60 months | 3.49% | Best APR reflecting up to 1.50% Loyalty Rewards discount. |
| 61–72 months | 6.49% | Standard APR as low as 6.49%. |
| 61–72 months | 4.99% | Best APR reflecting up to 1.50% Loyalty Rewards discount. |
| 73–84 months | 6.99% | Standard APR as low as 6.99%. |
| 73–84 months | 5.49% | Best APR reflecting up to 1.50% Loyalty Rewards discount. |
Sources (2)
All captured Oct 6, 2026
Who can join Timberland 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
- Anyone who lives, works, worships, or attends school in Armstrong, Blair, Cambria, Cameron, Centre, Clarion, Clearfield, Clinton, Elk, Forest, Huntingdon, Indiana, Jefferson, or Mifflin County in Pennsylvania is eligible for membership.
Employers and groups
- Employees of designated Select Employee Group businesses and members of certain associational groups in the credit union's field of membership are eligible to join.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive relationships) and household members living in the same residence maintaining a single economic unit with a current member are eligible to join.
Cost to join
- Eligible members can join by opening a share savings account with a $5 deposit.
Membership information collected October 5, 2026.