Credit union · NCUA insured
USX Federal Credit Union Auto Loan Rates
USX Federal Credit Union auto loans start at 5.09% APR for a new vehicle and 5.79% for a used one. Rates checked October 7, 2026.
How USX Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where USX Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
USX Federal Credit Union
5.09%APR
- Terms
- 49–60 months
- Discount
- None included
New and Used Vehicles (Model years 2026-2023)
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
USX Federal Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.09%
- Used vehicleUsed5.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where USX 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.
Auto Loan Refinance
Refinancing only available on loans from other financial institutions, current USX Federal Credit Union loans not eligible. Subject to credit approval; rate based on creditworthiness. Applies to vehicle model years 2023-2026 (or 2022 and newer).
| Terms | APR | Conditions |
|---|---|---|
| 60–72 months | 5.99% | Rates as low as 5.99% APR for terms of 60 or 72 months. Model year 2022 and newer. Limited time offer on refinance from another lender. Current USX FCU loans not eligible. |
New and Used Vehicles (Model years 2026-2023)
Rates are as low as. Rate based on individual credit worthiness. Approvals subject to normal underwriting guidelines. New Vehicle loan value is MSRP, Used & Older Vehicle loan value is retail value listed in NADA Used Vehicle Guide. Loan amount must be $30,000.00 or greater to be eligible for 73 - 84 month financing (Credit Tiers 1 - 4 only).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.89% | Up to 48 months. Standard Rate APR. |
| 49–60 months | 5.09% | 49 to 60 months. Standard Rate APR. |
| 61–72 months | 5.29% | 61 to 72 months. Standard Rate APR. |
| 73–84 months | 5.49% | 73 to 84 months. USX FCU loan amount must be $30,000.00 or greater to be eligible for 73 – 84 month financing. Credit Tiers 1 – 4 only. |
Sources (1)
- usxfcu.org/rates · captured Sep 17, 2026
Used Vehicles 2015-2011
Rates are as low as based on individual credit worthiness. Loan value is retail value listed in NADA Used Vehicle Guide.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 10.14% | 1 to 48 months. |
| 49–60 months | 10.34% | 49 to 60 months. |
Sources (1)
- usxfcu.org/rates · captured Sep 17, 2026
Used Vehicles 2020-2016
Rates are as low as based on individual credit worthiness. Loan value is retail value listed in NADA Used Vehicle Guide.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 8.14% | 1 to 48 months. Standard Rate APR. |
| 49–60 months | 8.34% | 49 to 60 months. Standard Rate APR. |
Sources (1)
- usxfcu.org/rates · captured Sep 17, 2026
Used Vehicles 2022 - 2021 Models (Loan Amounts Less Than $30,000)
For loan amounts less than $30,000. Rates are as low as based on individual credit worthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.05% | Up to 48 months. Loan amount less than $30,000. |
| 49–60 months | 6.25% | 49 to 60 months. Loan amount less than $30,000. |
| 61–72 months | 6.45% | 61 to 72 months. Loan amount less than $30,000. |
Sources (1)
- usxfcu.org/rates · captured Sep 17, 2026
Used Vehicles 2022 - 2021 Models (Loan Amounts of $30,000 or Greater)
For loan amounts of $30,000 or greater. Rates are as low as based on individual credit worthiness. 73 – 84 month financing requires Credit Tiers 1 – 4.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.59% | Up to 48 Months. Loan amount $30,000 or greater. |
| 49–60 months | 5.79% | 49 to 60 Months. Loan amount $30,000 or greater. |
| 61–72 months | 5.99% | 61 to 72 Months. Loan amount $30,000 or greater. |
| 73–84 months | 6.19% | 73 to 84 Months. Loan amount $30,000 or greater. Credit Tiers 1 – 4 only. |
Sources (1)
- usxfcu.org/rates · captured Sep 17, 2026
Who can join USX 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 open to individuals who work for or are members of one of the credit union's 780 Preferred Partner Groups.
Family and household
- Membership is open to individuals who have an immediate family member (child, spouse, sibling, parent, grandparent or grandchild) who is already a member of USX Federal Credit Union.
- Membership is open to individuals who have an immediate family member (child, spouse, sibling, parent, grandparent or grandchild) who works for one of the Preferred Partner Groups.
Membership information collected October 5, 2026.