Credit union · NCUA insured
Tri State Rail Federal Credit Union Auto Loan Rates
Tri State Rail Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 9, 2026.
How Tri State Rail Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Erie, PA, where Tri State Rail Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tri State Rail Federal Credit Union
4.49%APR
- Terms
- 49–60 months
Vehicle Loans
Lowest rate
Americo FCU
4.49%APR
- Terms
- up to 60 months
3rd-lowest rate
Corry FCU
4.49%APR
- Terms
- up to 60 months
Tri State Rail Federal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tri State Rail 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.
Motorcycle Loans
Rates, terms, and conditions vary based on creditworthiness and qualifications. Loans subject to credit approval. Loan Rate Special does not apply to refinance of existing Credit Union Loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.99% | 2021 - 2026 (<10,000 miles) |
| 25–36 months | 6.24% | 2021 - 2026 (<10,000 miles) |
| 37–48 months | 6.49% | 2021 - 2026 (<10,000 miles) |
| 49–60 months | 6.74% | 2021 - 2026 (<10,000 miles) |
| 61–72 months | 7.49% | 2021 - 2026 (<10,000 miles) |
| up to 24 months | 6.65% | 2021 - 2026 (< 50,000 Miles) |
| 25–36 months | 6.65% | 2021 - 2026 (< 50,000 Miles) |
| 37–48 months | 7.00% | 2021 - 2026 (< 50,000 Miles) |
| 49–60 months | 7.25% | 2021 - 2026 (< 50,000 Miles) |
| up to 24 months | 7.35% | 2021 - 2026 (> 50,000 Miles) |
| 25–36 months | 7.35% | 2021 - 2026 (> 50,000 Miles) |
| 37–48 months | 7.65% | 2021 - 2026 (> 50,000 Miles) |
| 49–60 months | 7.75% | 2021 - 2026 (> 50,000 Miles) |
| up to 24 months | 7.65% | 2018 - 2020 |
| 25–36 months | 7.65% | 2018 - 2020 |
| 37–48 months | 7.75% | 2018 - 2020 |
| up to 24 months | 8.40% | 2016 - 2017 |
| 25–36 months | 8.40% | 2016 - 2017 |
| 37–48 months | 8.40% | 2016 - 2017 |
| up to 24 months | 9.20% | 2014 - 2015 |
| 25–36 months | 9.20% | 2014 - 2015 |
| 37–48 months | 9.20% | 2014 - 2015 |
Sources (1)
- tristaterailfcu.com/loan-rates-new · captured Oct 7, 2026
Vehicle Loans
Rates, terms, and conditions vary based on creditworthiness and qualifications. Loans subject to credit approval. Loan Rate Special does not apply to refinance of existing Credit Union Loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24% | 2021 - 2026 (<50,000 miles) |
| 25–36 months | 4.24% | 2021 - 2026 (<50,000 miles) |
| 37–48 months | 4.24% | 2021 - 2026 (<50,000 miles) |
| 49–60 months | 4.24% | 2021 - 2026 (<50,000 miles) |
| 61–72 months | 4.49% | 2021 - 2026 (<50,000 miles) |
| 73–84 months | 4.74% | 2021 - 2026 (<50,000 miles). Minimum loan amount for 73-84 Month Loan is $20,000. |
| up to 24 months | 4.49% | 2021 - 2026 (> 50,000 Miles) |
| 25–36 months | 4.49% | 2021 - 2026 (> 50,000 Miles) |
| 37–48 months | 4.49% | 2021 - 2026 (> 50,000 Miles) |
| 49–60 months | 4.49% | 2021 - 2026 (> 50,000 Miles) |
| up to 24 months | 4.74% | 2018 - 2020 |
| 25–36 months | 4.74% | 2018 - 2020 |
| 37–48 months | 4.74% | 2018 - 2020 |
| 49–60 months | 5.24% | 2018 - 2020 |
| up to 24 months | 4.99% | 2016 - 2017 |
| 25–36 months | 4.99% | 2016 - 2017 |
| 37–48 months | 4.99% | 2016 - 2017 |
| up to 24 months | 5.99% | 2014 - 2015 |
| 25–36 months | 5.99% | 2014 - 2015 |
| 37–48 months | 5.99% | 2014 - 2015 |
Sources (1)
- tristaterailfcu.com/loan-rates-new · captured Oct 7, 2026
Who can join Tri State Rail Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.