Credit union · NCUA insured
Tower Federal Credit Union Auto Loan Rates
Top CarrotTower Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Tower Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where Tower Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tower Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loans
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
Tower Federal Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.49%
- 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 Tower 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 Auto Loans
Rates include a 0.25% discount for enrollment in automatic monthly loan payments. Rates, terms and conditions vary based on creditworthiness and program requirements. Acceptable collateral required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Monthly payment is $29.52 per $1,000 borrowed. Includes a 0.25% discount for enrollment in automatic monthly loan payments. |
| up to 48 months | 4.49% | Monthly payment is $22.80 per $1,000 borrowed. Includes a 0.25% discount for enrollment in automatic monthly loan payments. |
| up to 60 months | 4.49% | Monthly payment is $18.64 per $1,000 borrowed. Includes a 0.25% discount for enrollment in automatic monthly loan payments. |
| up to 72 months | 4.99% | Monthly payment is $16.10 per $1,000 borrowed. Includes a 0.25% discount for enrollment in automatic monthly loan payments. |
| up to 84 months | 5.99% | Monthly payment is $14.60 per $1,000 borrowed. Includes a 0.25% discount for enrollment in automatic monthly loan payments. |
New Motorcycles
Loan rates are based on your creditworthiness. Lowest rate qualification also requires automatic monthly loan payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | Monthly payment is $30.64 per $1,000 borrowed. Lowest rate qualification requires automatic monthly loan payments. |
| up to 48 months | 6.49% | Monthly payment is $23.71 per $1,000 borrowed. Lowest rate qualification requires automatic monthly loan payments. |
| up to 60 months | 6.49% | Monthly payment is $19.56 per $1,000 borrowed. Lowest rate qualification requires automatic monthly loan payments. |
Sources (1)
- towerfcu.org/rates/loan-rates · captured Oct 15, 2026
Used Auto Rates
Includes a 0.25% discount for enrollment in automatic monthly loan payments. Rates, terms and conditions vary based on credit worthiness and program requirements. Other conditions including acceptable collateral apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Monthly payment is $29.74 per $1,000 borrowed. Includes a 0.25% discount for enrollment in automatic monthly loan payments. |
| up to 48 months | 4.99% | Monthly payment is $23.02 per $1,000 borrowed. Includes a 0.25% discount for enrollment in automatic monthly loan payments. |
| up to 60 months | 4.99% | Monthly payment is $18.87 per $1,000 borrowed. Includes a 0.25% discount for enrollment in automatic monthly loan payments. |
| up to 72 months | 5.49% | Monthly payment is $16.33 per $1,000 borrowed. Includes a 0.25% discount for enrollment in automatic monthly loan payments. |
| up to 84 months | 6.49% | Monthly payment is $14.84 per $1,000 borrowed. Includes a 0.25% discount for enrollment in automatic monthly loan payments. |
Sources (2)
All captured Oct 15, 2026
Used Motorcycles
Loan rates are based on your creditworthiness. Lowest rate qualification also requires automatic monthly loan payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.99% | Monthly payment is $30.87 per $1,000 borrowed. Lowest rate qualification requires automatic monthly loan payments. |
| up to 48 months | 6.99% | Monthly payment is $23.94 per $1,000 borrowed. Lowest rate qualification requires automatic monthly loan payments. |
| up to 60 months | 6.99% | Monthly payment is $19.80 per $1,000 borrowed. Lowest rate qualification requires automatic monthly loan payments. |
Sources (1)
- towerfcu.org/rates/loan-rates · captured Oct 15, 2026
Who can join Tower Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Tower partner companies listed in their partner directory are eligible for membership.
Military, government and schools
- Employees or retirees of Tower's sponsor Agency are eligible for membership.
Family and household
- Individuals related to a current Tower member are eligible for membership.
Other ways
- Individuals can become eligible for membership by making a $35 donation to The TowerCares Foundation.
Cost to join
- An initial $15 deposit opens a free checking account and a Prime Share savings account, establishing lifetime membership.
Membership information collected October 4, 2026.