Credit union · NCUA insured
USSCO Johnstown Federal Credit Union Auto Loan Rates
USSCO Johnstown Federal Credit Union auto loans start at 6.25% APR for a new vehicle and 6.25% for a used one. Rates checked October 7, 2026.
How USSCO Johnstown Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Johnstown, PA, where USSCO Johnstown Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
USSCO Johnstown Federal Credit Union
6.25%APR
- Terms
- up to 60 months
New Vehicles 2025 - 2026
Lowest rate
MERHO Federal Credit Union
4.25%APR
- Terms
- up to 60 months
2nd-lowest rate
PRR South Fork Federal Credit Union
4.25%APR
- Terms
- up to 84 months
USSCO Johnstown Federal Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where USSCO Johnstown 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 Vehicles 2025 - 2026
Rates based on credit worthiness. 0.25% (25 basis point) rate reduction with transfer/automatic loan payments from USSCO FCU checking account (Dealer Financing excluded). R-Title Rate: add 1.00% to applicable rate. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.25% | Up to 60 months |
| 61–72 months | 6.50% | 61 - 72 months |
| 73–84 months | 7.50% | 73 - 84 months |
Sources (2)
All captured Sep 17, 2026
Used Vehicles
Rates based on credit worthiness. 0.25% (25 basis point) rate reduction with transfer from USSCO FCU checking account for new, used, or recreational vehicle loans (Dealer Financing Loans Excluded). R-Title Rate: add 1.00% to applicable rate. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.25% | Model years 2024 - 2026; Up to 60 months |
| 61+ months | 6.75% | Model years 2024 - 2026; Over 60 months |
| up to 60 months | 6.75% | Model years 2021 - 2023; Up to 60 months |
| up to 48 months | 7.50% | Model years 2018 - 2020; Up to 48 months |
| up to 36 months | 8.00% | Model years 2015 - 2017; Up to 36 months |
Sources (2)
All captured Oct 7, 2026
Who can join USSCO Johnstown Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees working for one of USSCO's select employee groups (SEGs) are eligible for membership.
Family and household
- Individuals with a relative who is an existing USSCO member are eligible to join.
Other ways
- Individuals who apply for and obtain USSCO / KLA financing at a dealership can join on the spot.
- Individuals can join as a friend of the Fraternal Order of Police, Lodge No. 86 (USSCO makes a donation to the organization for each member joining via this option).
- Individuals can join as a friend of the Humane Society of Cambria County (USSCO makes a donation to the organization for each member joining via this option).
Membership information collected October 5, 2026.