Bank · FDIC insured
USAA Federal Savings Bank Auto Loan Rates
USAA Federal Savings Bank auto loan rates start at 4.49% APR. Rates checked October 7, 2026.
How USAA Federal Savings Bank’s auto loan rates compare
Compared with banks and credit unions near Baltimore, MD, where USAA Federal Savings Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
USAA Federal Savings Bank
– –
- Terms
- —
- Discount
- —
No ongoing APR published
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Purchase Loan
Financing available for new, used, and older vehicles from dealerships, private sellers, and lease buyouts, including accessible vehicles. Available to military community members. Loan approval is good for 45 days. No application fee or prepayment penalties. Minimum loan amount is $2,500 and maximum loan amount is $100,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Lowest APR available on 36-month terms for dealer purchases. Includes a 0.25% discount for optional automatic payments. Requires approved credit and a minimum financed amount of $5,000. |
Sources (1)
- usaa.com/inet/wc/bank-loan-auto-main · captured Oct 7, 2026
Auto Refinance Loan
Applies to vehicle refinancing of existing USAA Bank auto loans or loans from other lenders. Available for new, used, and older vehicles with no age or mileage restrictions. Loan approval is good for 45 days. Negative equity from upside-down loans may be rolled into the new loan subject to credit, income, and vehicle valuation. No application fee or prepayment penalties. Minimum loan amount is $2,500 and maximum loan amount is $100,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Lowest APR available on 36-month terms for vehicle refinancing. Includes a 0.25% discount for optional automatic payments. Requires approved credit and a minimum financed amount of $5,000. |
Sources (2)
All captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.