Credit union · NCUA insured
Washington County Teachers Federal Credit Union Auto Loan Rates
Top CarrotWashington County Teachers Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 22, 2026.
How Washington County Teachers Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where Washington County Teachers Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Washington County Teachers Federal Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- —
New Vehicle
Lowest rate
Bulldog Federal Credit Union
4.00%APR
- Terms
- 49–84 months
- Up to
- —
2nd-lowest rate
Eastern Panhandle Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- 11.24% APR
Washington County Teachers Federal Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Washington County Teachers 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
Financing available up to 100% of the vehicle's MSRP. Any amount above MSRP must be paid out-of-pocket or financed separately. Rates listed are the lowest rates possible and are based upon credit score and other underwriting factors. Existing WCTFCU loans are not eligible for refinance.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | Model year 2025-2026. |
| up to 48 months | 4.00% | Model year 2025-2026. |
| up to 60 months | 4.25% | Model year 2025-2026. |
| up to 72 months | 4.50% | Model year 2025-2026. |
| up to 84 months | 5.50% | Model year 2025-2026. 84 month new auto loans must be greater than $25,000. |
Used Vehicle
Financing available up to 100% of the vehicle's current retail value as determined by J.D. Power. Any amount above retail value must be paid out-of-pocket or financed separately. Includes refinancing a vehicle loan from another institution. Vehicles must have a clean title; salvaged or rebuilt titles are not eligible. Existing WCTFCU loans are not eligible for refinance.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | Used 2024-2025 model years. |
| up to 48 months | 4.00% | Used 2024-2025 model years. |
| up to 60 months | 4.25% | Used 2024-2025 model years. |
| up to 72 months | 4.50% | Used 2024-2025 model years. |
| up to 36 months | 4.75% | Used 2021-2023 model years. |
| up to 48 months | 5.00% | Used 2021-2023 model years. |
| up to 60 months | 5.25% | Used 2021-2023 model years. |
| up to 72 months | 5.75% | Used 2021-2023 model years. |
| up to 36 months | 5.25% | Used 2020 & older model years. |
| up to 48 months | 5.50% | Used 2020 & older model years. |
| up to 60 months | 5.75% | Used 2020 & older model years. |
Who can join Washington County Teachers Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.