Credit union · NCUA insured
Topside Federal Credit Union Auto Loan Rates
Topside Federal Credit Union auto loans start at 5.99% APR for a new vehicle and 6.49% for a used one. Rates checked October 22, 2026.
How Topside Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Topside Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Topside Federal Credit Union
5.99%APR
- Terms
- 49–60 months
- Up to
- 14.99% APR
New Auto Loans
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
Topside Federal Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew5.99%
- 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 Topside 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.
Cash Out Refinances and Classic Cars
Contact Credit Union for financing advance details. APR may vary depending on credit history and underwriting terms.
| Terms | APR | Conditions |
|---|---|---|
| 12–60 months | 8.99%–17.99% | 60 monthly payments of $20.76 per $1,000 financed at 8.99% APR. 60 month financing on autos requires a minimum advance of $5,000.00. |
Sources (1)
- topsidefcu.org/loan-rates · captured Oct 22, 2026
Motorcycle Loans
Financing up to 100% of MSRP/NADA Value. APR may vary depending on credit history and underwriting terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.49%–16.49% | Up to 72 months financing. 60 month financing requires a minimum advance of $5,000.00; 61 to 72 month financing requires a minimum advance of $15,000.00. 72 monthly payments of $17.29 per $1,000 financed at 7.49% APR. |
Sources (1)
- topsidefcu.org/loan-rates · captured Oct 22, 2026
New Auto Loans
Current calendar year model and the previous model year with 20,000 miles or less. Financing up to 100% of MSRP/NADA Value. Requests in excess of $75,000 subject to rate increase. APR may vary depending on credit history and underwriting terms.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.74%–13.74% | 36 monthly payments of $30.31 per $1,000 financed at 4.74% APR. |
| 37–48 months | 5.74%–14.74% | 48 monthly payments of $23.60 per $1,000 financed at 5.74% APR. |
| 49–60 months | 5.99%–14.99% | 60 month financing requires a minimum advance of $5,000.00. 60 monthly payments of $19.57 per $1,000 financed at 5.99% APR. |
| 61–72 months | 6.49%–15.49% | 61 to 72 month financing requires a minimum advance of $15,000.00. 72 monthly payments of $17.05 per $1,000 financed at 6.49% APR. |
| 73–84 months | 7.49%–16.49% | 73 to 84 month financing requires a minimum advance of $25,000.00. 84 monthly payments of $15.34 per $1,000 financed at 7.49% APR. |
Sources (4)
All captured Oct 22, 2026
Older Model Year Vehicles Auto Loans
Year models 2017 or prior. Contact Credit Union for financing advance details. APR may vary depending on credit history and underwriting terms.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 7.99%–16.99% | 36 monthly payments of $31.34 per $1,000 financed at 7.99% APR. |
| 37–60 months | 7.99%–16.99% | 60 month financing requires a minimum advance of $5,000.00. 60 monthly payments of $20.28 per $1,000 financed at 7.99% APR. |
| 61–72 months | 8.99%–17.99% | 61 to 72 month financing requires a minimum advance of $15,000.00. 72 monthly payments of $18.03 per $1,000 financed at 8.99% APR. |
Sources (1)
- topsidefcu.org/loan-rates · captured Oct 22, 2026
Used Auto Loans
Year models 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025 and 2026 exceeding 20,000 miles. Financing up to 100% of MSRP/NADA Value. Requests in excess of $75,000 subject to rate increase. APR may vary depending on credit history and underwriting terms.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 5.24%–14.24% | 36 monthly payments of $30.54 per $1,000 financed at 5.24% APR. |
| 37–48 months | 5.99%–14.99% | 48 monthly payments of $23.72 per $1,000 financed at 5.99% APR. |
| 49–60 months | 6.49%–15.49% | 60 month financing requires a minimum advance of $5,000.00. 60 monthly payments of $19.80 per $1,000 financed at 6.49% APR. |
| 61–72 months | 6.74%–15.74% | 61 to 72 month financing requires a minimum advance of $15,000.00. 72 monthly payments of $17.17 per $1,000 financed at 6.74% APR. |
| 73–84 months | 7.74%–16.74% | 73 to 84 month financing requires a minimum advance of $25,000.00. 84 monthly payments of $15.46 per $1,000 financed at 7.74% APR. |
Sources (4)
- topsidefcu.org
- topsidefcu.org/loan-rates
- topsidefcu.org/loans-auto-loans
- topsidefcu.org/loans-auto-loans-used-car
All captured Oct 22, 2026
Who can join Topside Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.