Credit union · NCUA insured
USPS Federal Credit Union Auto Loan Rates
Top CarrotUSPS Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How USPS Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where USPS Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
USPS Federal Credit Union
4.50%APR
- Terms
- up to 84 months
Hybrid & Electric Vehicles Auto Loan
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
USPS Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where USPS 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.
Hybrid & Electric Vehicles Auto Loan
Take 0.25% off regular auto loan rates for hybrid and electric vehicles. Cannot be combined with the Beat the Rate deal. Borrow up to $75,000. Must be a member or eligible for membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50% | As low as 3.50% APR with Relationship Rewards. 0.25% off regular auto loan rates for hybrid and electric vehicles. Terms up to 84 months. |
New, Used, Refinance Auto Loan
Borrow up to $75,000, with up to 125% Loan-to-Value (LTV), including tax, tags, title, extended warranties, gap insurance, and more. Must be a member or eligible for membership. Typical interest rates range from 4.25% to 18.00% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | As low as 3.75% APR with Relationship Rewards. Example payment: $15,000 at 4.75% APR for 36 months with $0 down is $447.88/month. |
| up to 48 months | 4.99% | As low as 3.99% APR with Relationship Rewards. Example payment: $15,000 at 4.99% APR for 48 months with $0 down is $345.37/month. |
| up to 60 months | 5.24% | As low as 4.24% APR with Relationship Rewards. Example payment: $15,000 at 5.24% APR for 60 months with $0 down is $284.72/month. |
| up to 72 months | 5.49% | As low as 4.49% APR with Relationship Rewards. Example payment: $15,000 at 5.49% APR for 72 months with $0 down is $245.00/month. |
| up to 84 months | 5.94% | As low as 4.94% APR with Relationship Rewards. Example payment: $15,000 at 5.94% APR for 84 months with $0 down is $218.70/month. |
Sources (3)
All captured Oct 7, 2026
Who can join USPS 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 participating Select Groups (SGs), as well as family members of an employee with an account, are eligible for membership.
Military, government and schools
- Individuals employed by or retired from the United States Postal Service are eligible for membership.
Family and household
- Immediate family members (parents, grandparents, siblings, children, foster children, grandchildren, stepchildren, adopted children, co-habitants, and surviving spouses of eligible persons) of existing members in good standing, or individuals residing with a member, are eligible for membership.
Membership information collected October 4, 2026.