Credit union · NCUA insured
Tri County Area Federal Credit Union Auto Loan Rates
Tri County Area Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 6.74% for a used one. Rates checked October 16, 2026.
How Tri County Area Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Tri County Area Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tri County Area Federal Credit Union
4.49%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- Included in the rate
Auto Loans
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Tri County Area Federal Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed6.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tri County Area 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.
Auto Loans
Financing up to 125%. First-Time Auto Buyer's Program available. Pre-approval with Xpress Checks available. Rate discount of 1% APR available for hybrid and electric vehicle purchases (cannot be combined with other discounts). Disclosed rates assume less than 90% LTV (and mileage under 100,000 for older used) and include a 0.25% discount for automatic payment from a TCAFCU account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | New Auto & Motorcycles (2027-2025). Assume less than 90% LTV. Includes 0.25% discount for automatic payment from a TCAFCU account. |
| 37–60 months | 4.49% | New Auto & Motorcycles (2027-2025). Assume less than 90% LTV. Includes 0.25% discount for automatic payment from a TCAFCU account. |
| 61–72 months | 4.99% | New Auto & Motorcycles (2027-2025). Minimum Loan Amount $15,000. Assume less than 90% LTV. Includes 0.25% discount for automatic payment from a TCAFCU account. |
| 73–84 months | 5.74% | New Auto & Motorcycles (2027-2025). Minimum Loan Amount $25,000. Assume less than 90% LTV. Includes 0.25% discount for automatic payment from a TCAFCU account. |
| up to 48 months | 6.49% | Older Used Auto & Motorcycles (2018 or Older). Assume less than 90% LTV and mileage under 100,000. Includes 0.25% discount for automatic payment from a TCAFCU account. |
| 49–60 months | 6.74% | Older Used Auto & Motorcycles (2018 or Older). Assume less than 90% LTV and mileage under 100,000. Includes 0.25% discount for automatic payment from a TCAFCU account. |
Who can join Tri County Area 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 one of the 41 specified townships or boroughs in Berks, Chester, and Montgomery counties is eligible to join.
Employers and groups
- Any business or other legal entity operating within one of the specified 41 townships or boroughs is eligible for membership.
Family and household
- Family members related by blood or adoption and household members of a current Tri County Area Federal Credit Union member are eligible to join.
Membership information collected October 5, 2026.