Credit union · NCUA insured
Transportation Federal Credit Union Auto Loan Rates
Top CarrotTransportation Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Transportation Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Transportation Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Transportation Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Vehicles
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Transportation Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Transportation 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 Vehicles
Models 2025 & newer with less than 1,000 miles. Advertised rate includes direct deposit or automatic payment, TrueCar, vehicle LTV and special EV/Hybrid rate reduction. Loan rates are tier-based and priced according to member's individual credit ratings. Up to 120% financing available, recreational vehicles are capped at 85% LTV. For used vehicles, age of vehicle not to exceed 7 model years. No payments for 45 days; however, interest will accrue. At no time can the discounted rate awarded be lower than the designated floor rate. Certain restrictions apply. Contact us for details.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Term up to 36 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount. |
| up to 48 months | 4.69% | Term up to 48 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount. |
| up to 60 months | 4.99% | Term up to 60 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount. |
| up to 72 months | 5.24% | Term up to 72 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount. |
| up to 84 months | 6.74% | Term up to 84 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount. |
Used Vehicles
Models Up to 7 Years with 1,000+ miles. Advertised rate includes direct deposit or automatic payment, TrueCar, vehicle LTV and special EV/Hybrid rate reduction. Loan rates are tier-based and priced according to member's individual credit ratings. Up to 120% financing available, recreational vehicles are capped at 85% LTV. Age of used vehicle not to exceed 7 model years. No payments for 45 days; however, interest will accrue. At no time can the discounted rate awarded be lower than the designated floor rate. Certain restrictions apply. Contact us for details.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Term up to 36 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount. |
| up to 48 months | 5.24% | Term up to 48 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount. |
| up to 60 months | 5.49% | Term up to 60 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount. |
| up to 72 months | 5.99% | Term up to 72 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount. |
| up to 84 months | 7.24% | Term up to 84 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount. |
Who can join Transportation 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 featured employer groups, eligible organizations, and Strategic Partners qualify for membership.
Military, government and schools
- Active or retired employees, military personnel, or contractors of specified transportation government agencies qualify for membership.
Family and household
- Immediate family members and household members of eligible employees/affiliates are eligible to join.
Other ways
- Individuals can join by becoming a member of the American Consumer Council.
Cost to join
- Each member must have one $5 share in the credit union.
Membership information collected October 4, 2026.