Credit union · NCUA insured
Vantage Trust Federal Credit Union Auto Loan Rates
Vantage Trust Federal Credit Union auto loans start at 4.00% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Vantage Trust Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Scranton, PA, where Vantage Trust Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Vantage Trust Federal Credit Union
4.00%APR
- Terms
- up to 60 months
- Up to
- 10.25% APR
New Vehicle Loan
Lowest rate
UFCW Community Federal Credit Union
3.70%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
Vantage Trust Federal Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.00%
- 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 Vantage Trust 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 Vehicle Loan
Zero Down Payment. Performance based lending rates apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.49%–8.99% | Zero Down Payment. Performance based lending rates apply. |
| up to 48 months | 3.49%–9.24% | Zero Down Payment. Performance based lending rates apply. |
| up to 60 months | 4.00%–10.25% | Zero Down Payment. Performance based lending rates apply. |
| up to 72 months | 4.50%–10.75% | Zero Down Payment. Performance based lending rates apply. |
Sources (2)
All captured Oct 7, 2026
Used Vehicle Loan
Performance based lending rates apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.49%–8.99% | Model years 2016-2019. Performance based lending rates apply. |
| up to 48 months | 3.49%–9.24% | Model years 2020-2021. Performance based lending rates apply. |
| up to 60 months | 4.50%–10.75% | Model years 2022 - NEWER. Performance based lending rates apply. |
| up to 72 months | 4.75%–11.00% | Model years 2022 - NEWER. Must borrow $30,000 or more. Performance based lending rates apply. |
Sources (2)
All captured Oct 7, 2026
Who can join Vantage Trust Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Luzerne County is eligible to join.
Employers and groups
- Employees of any of the credit union's select employee groups are eligible to join.
Family and household
- Immediate and extended family members related by blood or marriage to an existing member are eligible to join.
Cost to join
- Membership requires opening a Share Savings Account with a minimum deposit of $5.00.
Membership information collected October 5, 2026.