Credit union · NCUA insured
United States Senate Federal Credit Union Auto Loan Rates
United States Senate Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How United States Senate Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where United States Senate Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United States Senate Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loans
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
United States Senate Federal Credit Union auto loan score
88
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.24%
- 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 United States Senate 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 Auto Loans
All loans subject to credit approval. Rates and/or credit limits are based on creditworthiness, income, and debts. Low, fixed rates for new vehicles with flexible terms up to 84 months. No private party sales, DriveTime or Carvana purchases, third-party broker or auction services are eligible. Clear Title Installment Loans for purchase reimbursement are no longer available as of August 1, 2026. Up to 110% financing based on NADA value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | As low as rate reflects eligibility for all possible discounts (including maximum relationship discount of up to 0.50% with auto pay from a USSFCU account and online/mobile banking login). Estimated monthly payment as low as $294.11 based on $10,000 balance. |
| up to 48 months | 3.99% | As low as rate reflects eligibility for all possible discounts (including maximum relationship discount of up to 0.50% with auto pay from a USSFCU account and online/mobile banking login). Estimated monthly payment as low as $225.77 based on $10,000 balance. |
| up to 60 months | 4.24% | As low as rate reflects eligibility for all possible discounts (including maximum relationship discount of up to 0.50% with auto pay from a USSFCU account and online/mobile banking login). Estimated monthly payment as low as $185.10 based on $10,000 balance. |
| up to 72 months | 4.49% | As low as rate reflects eligibility for all possible discounts (including maximum relationship discount of up to 0.50% with auto pay from a USSFCU account and online/mobile banking login). Estimated monthly payment as low as $158.10 based on $10,000 balance. |
| up to 84 months | 4.74% | As low as rate reflects eligibility for all possible discounts (including maximum relationship discount of up to 0.50% with auto pay from a USSFCU account and online/mobile banking login). Estimated monthly payment as low as $140.15 based on $10,000 balance. |
Sources (2)
All captured Oct 22, 2026
Used Auto Loan
Models no older than 10 years. All loans subject to credit approval. Rates and/or credit limits are based on creditworthiness, income, and debts. Low, fixed rates for used vehicles and refinance with flexible terms up to 84 months. No private party sales, DriveTime or Carvana purchases, third-party broker or auction services are eligible. Clear Title Installment Loans for purchase reimbursement are no longer available as of August 1, 2026. Up to 110% financing based on NADA value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Models no older than 10 years. Applies to used auto purchase and refinance. As low as rate reflects eligibility for all possible discounts (including maximum relationship discount of up to 0.50% with auto pay from a USSFCU account and online/mobile banking login). Estimated monthly payment as low as $147.61 based on $5,000 balance. |
| up to 48 months | 4.24% | Models no older than 10 years. Applies to used auto purchase and refinance. As low as rate reflects eligibility for all possible discounts (including maximum relationship discount of up to 0.50% with auto pay from a USSFCU account and online/mobile banking login). Estimated monthly payment as low as $113.45 based on $5,000 balance. |
| up to 60 months | 4.49% | Models no older than 10 years. Applies to used auto purchase and refinance. As low as rate reflects eligibility for all possible discounts (including maximum relationship discount of up to 0.50% with auto pay from a USSFCU account and online/mobile banking login). Estimated monthly payment as low as $93.21 based on $5,000 balance. |
| up to 72 months | 4.74% | Models no older than 10 years. Applies to used auto purchase and refinance. As low as rate reflects eligibility for all possible discounts (including maximum relationship discount of up to 0.50% with auto pay from a USSFCU account and online/mobile banking login). Estimated monthly payment as low as $79.99 based on $5,000 balance. |
| up to 84 months | 4.99% | Models no older than 10 years. Applies to used auto purchase and refinance. As low as rate reflects eligibility for all possible discounts (including maximum relationship discount of up to 0.50% with auto pay from a USSFCU account and online/mobile banking login). Estimated monthly payment as low as $70.66 based on $5,000 balance. |
Sources (2)
All captured Oct 22, 2026
Who can join United States Senate Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of over 100 Select Employee Groups (SEGs) in the Washington, D.C. metropolitan area and nationwide are eligible for membership.
Military, government and schools
- Employees from the Architect of the Capitol and the U.S. Supreme Court are eligible for membership.
- Individuals affiliated with the U.S. Senate and Capitol Hill communities are eligible for membership.
Cost to join
- Opening an account requires a minimum share deposit of $5.
Membership information collected October 4, 2026.