Credit union · NCUA insured
TruEnergy Federal Credit Union Auto Loan Rates
Top CarrotTruEnergy Federal Credit Union auto loans start at 3.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How TruEnergy Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where TruEnergy Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
TrueCar New Vehicle Rate
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
3rd-lowest rate
BankFund Credit Union
3.25%APR
- Terms
- up to 60 months
TruEnergy Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew3.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TruEnergy 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 Refinance Loan
| Terms | APR | Conditions |
|---|---|---|
| — | 3.00% | Rate match: We may beat your current auto loan rate by up to 0.50%, with rates as low as 3.00% APR. Offer subject to verification of existing loan terms and credit approval. Additional conditions may apply. |
Sources (1)
- truenergyfcu.org/auto-loan-promo · captured Oct 4, 2026
New Vehicles
Rates determined by overall creditworthiness and other qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.74% | Approx term Up to 60 Months. APR as low as 3.74%. |
| 61–72 months | 4.74% | 61-72 month financing available for automobiles over $20,000. |
| 73–84 months | 6.49% | 73-84 month financing available for automobiles over $30,000. |
Sources (1)
- truenergyfcu.org/loans/rates · captured Oct 4, 2026
Spring Auto Loan Promo
Rates effective 3/18/26 and are subject to change or end without notice. Rates based on creditworthiness, term, collateral, and other qualifications. Membership eligibility required. Credit approval required. Rate match: We may beat your current auto loan rate by up to 0.50%, with rates as low as 3.00% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 2.74% | Monthly payment of $358 per $20,000 financed for 60 months at 2.74% APR. Extended terms available based on loan amount: 61–72 months for loans over $20,000; 73–84 months for loans over $30,000. |
Sources (1)
- truenergyfcu.org/auto-loan-promo · captured Oct 4, 2026
TrueCar New Vehicle Rate
TrueCar car-buying service rate for new vehicles. Rates determined by overall creditworthiness and other qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.74% | Approx term Up to 60 Months. APR as low as 3.74%. |
| 61–72 months | 4.74% | 61-72 month financing available for automobiles over $20,000. |
| 73–84 months | 6.49% | 73-84 month financing available for automobiles over $30,000. |
Sources (1)
- truenergyfcu.org/loans/rates · captured Oct 4, 2026
TrueCar Used Vehicle Rate
TrueCar car-buying service rate for used vehicles. Rates determined by overall creditworthiness and other qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.74% | Approx term Up to 60 Months. APR as low as 5.74%. |
| 61–72 months | 6.74% | 61-72 month financing available for automobiles over $20,000. |
| 73–84 months | 8.49% | 73-84 month financing available for automobiles over $30,000. |
Sources (1)
- truenergyfcu.org/loans/rates · captured Oct 4, 2026
Used Vehicles
Rates determined by overall creditworthiness and other qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.74% | Approx term Up to 60 Months. APR as low as 5.74%. |
| 61–72 months | 6.74% | 61-72 month financing available for automobiles over $20,000. |
| 73–84 months | 8.49% | 73-84 month financing available for automobiles over $30,000. |
Sources (1)
- truenergyfcu.org/loans/rates · captured Oct 4, 2026
Who can join TruEnergy Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to approved companies or organizations within the credit union's charter.
- Membership is available to all full-time, part-time, retired, and intern or volunteer employees of Washington Gas Light Company and its subsidiaries.
Family and household
- Persons living in the same residence as an eligible member are eligible for membership.
- Immediate family members—including spouses, children (step/adopted), siblings (step/adopted), parents, grandparents, and grandchildren—are eligible for membership.
Cost to join
- Joining requires opening a Share Savings Account with a $5 deposit.
Membership information collected October 4, 2026.