Credit union · NCUA insured
Transit Employees Federal Credit Union Auto Loan Rates
Transit Employees Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Transit Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Transit Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Transit Employees Federal Credit Union
4.99%APR
- Terms
- —
Drive Now, Pay Later!
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Transit Employees 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 Transit Employees 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.
Drive Now, Pay Later!
Promotional offer valid for a limited time only. Defer payments for 60 days based on eligibility. Applies to refinanced auto loans from another lender and new/used dealer purchases. Current TEFCU loans are ineligible. Subject to approval and credit score, model year, and term of loan. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Rates as low as 4.99% APR. Best rate; rate varies depending on credit score, model year, and term of loan. Applies to refinanced auto loans from another lender and new/used dealer purchases. Includes 60-day payment deferment based on eligibility. |
Vehicle Loan
Financing up to 125% of NADA retail value (including sales price, taxes, tags, GAP Insurance, Extended Warranty). Actual rate will vary based on term, application, and credit history. Stated rates reflect member loyalty discount.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | New Vehicle (Non-Titled). APR as low as 4.99%. APR based on applicant's credit and term of loan. Reflects member loyalty discount. |
| — | 5.99% | Used Vehicle (Titled). APR as low as 5.99%. APR based on applicant's credit and term of loan. Reflects member loyalty discount. |
Sources (3)
All captured Oct 4, 2026
Who can join Transit Employees 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 Amtrak are eligible to join.
- Employees of Arlington Transit are eligible to join.
- Employees of Atlantic Services are eligible to join.
- Employees of DASH Bus are eligible to join.
- Employees of The Excel Institute & Auto Repair are eligible to join.
- Employees of Kaiser Permanente are eligible to join.
12 more ways to join
Employers and groups
- Employees of Metro Access are eligible to join.
- Employees of RTA (Formerly First Transit) are eligible to join.
- Employees of TEFCU are eligible to join.
- Employees of Transdev are eligible to join.
- Employees of Washingtonian Cab Company are eligible to join.
- Employees of Washington Metropolitan Area Transit Authority (WMATA) are eligible to join.
- Employees of Yellow Cab Company of DC are eligible to join.
Military, government and schools
- Employees of Langdon Education Campus are eligible to join.
- Employees of Pathways School Crossland Campus are eligible to join.
- Employees of Pathways School Duval Campus are eligible to join.
Family and household
- Immediate family or household members of an employee that works for one of TEFCU's Select Employee Groups (SEGs) are eligible to join.
Other ways
- Persons retired as pensioners or annuitants from eligible Select Employee Group employment or TEFCU are eligible to join.
Cost to join
- A deposit of $25.00 in a membership savings account is required to open an account.
Membership information collected October 4, 2026.