Credit union · NCUA insured
Vermont Federal Credit Union Auto Loan Rates
Vermont Federal Credit Union auto loans start at 7.24% APR for a new vehicle and 4.85% for a used one. Rates checked October 22, 2026.
How Vermont Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Burlington, VT, where Vermont Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Vermont Federal Credit Union
7.24%APR
- Terms
- up to 96 months
Electric/Hybrid Auto Loan
Lowest rate
NorthCountry Federal Credit Union
4.99%APR
- Terms
- up to 60 months
2nd-lowest rate
EastRise Credit Union
5.05%APR
- Terms
- up to 60 months
Vermont Federal Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew7.24%
- Used vehicleUsed4.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Vermont 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.
Electric/Hybrid Auto Loan
Must be an electric or hybrid vehicle. Rates quoted as low as and subject to credit and collateral evaluation. Must be a member to obtain a loan ($5 share deposit required). Insurance required on all secured loans. Used vehicles more than 10 years old may not qualify. Minimum loan amounts: $15K for 72 month term, $25K for 84 month term, $35K for 96 month term.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.40% | Up to 10 model years old. |
| up to 36 months | 4.55% | Up to 10 model years old. |
| up to 48 months | 4.70% | Up to 5 model years old. |
| up to 60 months | 4.85% | Up to 4 model years old. |
| up to 72 months | 5.00% | Up to 3 model years old. Minimum loan amount $15,000. |
| up to 84 months | 5.60% | Up to 2 model years old. Minimum loan amount $25,000. |
| up to 96 months | 7.24% | New Only. Minimum loan amount $35,000. |
Sources (1)
- vermontfederal.org/bank-rates · captured Oct 14, 2026
New & Used Car
Must be a member to obtain a loan ($5 share deposit required). Rates quoted as low as and subject to credit and collateral evaluation. Used vehicles more than 10 years old may not qualify. We finance up to 125% of purchase price excluding tax, title, and registration. Minimum loan amounts: $15K for 72 month term, $25K for 84 month term, $35K for 96 month term.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.90% | Up to 10 model years old. New/Used Auto & Motorcycle. |
| up to 36 months | 5.05% | Up to 10 model years old. New/Used Auto & Motorcycle. |
| up to 48 months | 5.20% | Up to 5 model years old. New/Used Auto & Motorcycle. |
| up to 60 months | 5.35% | Up to 4 model years old. New/Used Auto & Motorcycle. |
| up to 72 months | 5.50% | Up to 3 model years old. Minimum loan amount $15,000. |
| up to 84 months | 6.10% | Up to 2 model years old. Minimum loan amount $25,000. |
| up to 96 months | 7.74% | New Only. Minimum loan amount $35,000. |
Sources (1)
- vermontfederal.org/bank-rates · captured Oct 14, 2026
Who can join Vermont 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, worships, or attends school in the state of Vermont is eligible for membership.
Family and household
- Family members of individuals who live, work, worship, or attend school in Vermont are eligible for membership.
Membership information collected October 4, 2026.