Credit union · NCUA insured
United Poles Federal Credit Union Auto Loan Rates
Top CarrotUnited Poles Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How United Poles Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where United Poles Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Poles Federal Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
Vehicle Loan
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
United Poles Federal Credit Union auto loan score
88
Auto loan score
Higher than 83% of U.S. banks and credit unions
- New vehicleNew3.99%
- 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 United Poles 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.
Vehicle Loan
Low, fixed interest rates; same starting rates for new and used cars. Financing up to 100% for new cars only with GAP Plus with Deductible Assistance protection purchased from Credit Union. Rate received is based on credit history, collateral, and loan characteristics. Pre-approval rate lock available for up to 60-90 days. Used car loans receive a free CARFAX vehicle history report.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 3.99% | New vehicles. Rate based on credit history, collateral, and loan characteristics. |
| up to 12 months | 5.49% | Used vehicles. Rate based on credit history, collateral, and loan characteristics. Includes free CARFAX report. |
| up to 24 months | 3.99% | New vehicles. Rate based on credit history, collateral, and loan characteristics. |
| up to 24 months | 5.49% | Used vehicles. Rate based on credit history, collateral, and loan characteristics. Includes free CARFAX report. |
| up to 36 months | 3.99% | New vehicles. Rate based on credit history, collateral, and loan characteristics. |
| up to 36 months | 5.49% | Used vehicles. Rate based on credit history, collateral, and loan characteristics. Includes free CARFAX report. |
| up to 48 months | 3.99% | New vehicles. Rate based on credit history, collateral, and loan characteristics. |
| up to 48 months | 5.74% | Used vehicles. Rate based on credit history, collateral, and loan characteristics. Includes free CARFAX report. |
| up to 60 months | 3.99% | New vehicles. Rate based on credit history, collateral, and loan characteristics. |
| up to 60 months | 5.74% | Used vehicles. Rate based on credit history, collateral, and loan characteristics. Includes free CARFAX report. |
| up to 72 months | 3.99% | New vehicles. For loans over $30,000. Rate based on credit history, collateral, and loan characteristics. |
| up to 72 months | 6.24% | Used vehicles. For loans over $30,000. Rate based on credit history, collateral, and loan characteristics. Includes free CARFAX report. |
Sources (3)
All captured Oct 22, 2026
Who can join United Poles 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 employees of United Poles Federal Credit Union.
- Membership is available to members of Nest 822 of the Polish Falcons in South River, NJ.
- Membership is available to members of Polish-American Congress, the New Jersey Division.
- Membership is available to members of Polish National Fund of New Jersey.
- Membership is available to members of Polish Veterans Association in South River, NJ.
- Membership is available to members of United Poles in America, Inc. (also known as ZPA in Perth Amboy, NJ).
2 more ways to join
Family and household
- Membership is available to immediate family and household members of partner association members and Credit Union employees.
Other ways
- Membership is available to organizations of eligible persons (members of partner associations, employees, and their immediate family/household members).
Cost to join
- The minimum deposit in a share-savings account is $50.00.
- Annual dues of $20 to join ZPA, payable upfront at the time of opening an account until the end of the calendar year and thereafter on each March 1st. Minors and family members of current members are exempt.
Membership information collected October 5, 2026.