Credit union · NCUA insured
WEPCO Federal Credit Union Auto Loan Rates
Top CarrotWEPCO Federal Credit Union auto loans start at 3.24% APR for a new vehicle and 3.74% for a used one. Rates checked October 22, 2026.
How WEPCO Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cumberland, MD-WV, where WEPCO Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
WEPCO Federal Credit Union
3.24%APR
- Terms
- 49–60 months
New or Used Vehicle Loans
2nd-lowest rate
Chessie Federal Credit Union
4.24%APR
- Terms
- 49–60 months
3rd-lowest rate
First Peoples Community Federal Credit Union
4.25%APR
- Terms
- 49–60 months
WEPCO Federal Credit Union auto loan score
99
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.24%
- Used vehicleUsed3.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where WEPCO 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.
First Time Car Buyers
| Terms | APR | Conditions |
|---|---|---|
| 49–60 months | 3.85% | First Time Car Buyers: Model Years 2023-2026. |
| up to 48 months | 3.10% | First Time Car Buyers: Model Years 2023-2026. |
| 49–60 months | 4.55% | First Time Car Buyers: Model Years 2020-2022. |
| up to 48 months | 4.10% | First Time Car Buyers: Model Years 2020-2022. |
| 49–60 months | 4.85% | First Time Car Buyers: Model Years 2017-2019. |
| up to 48 months | 4.35% | First Time Car Buyers: Model Years 2017-2019. |
Sources (1)
- wepcofcu.com/rates-fees/loan-rates · captured Oct 7, 2026
New or Used Vehicle Loans
Offers up to 125% financing on the book value on new and used vehicles. Terms range from 24 months to 84 months. Vehicles financed for 60, 72, or 84 months will require minimum financing. Additional terms and conditions apply.
| Terms | APR | Conditions |
|---|---|---|
| 73–84 months | 4.24% | New Model 2026 and Newer. Minimum Financing of $25,000 for 84 Months. |
| 61–72 months | 3.49% | New Model 2026 and Newer. Minimum Financing of $15,000 for 72 Months. |
| 49–60 months | 3.24% | New Model 2026 and Newer. Minimum Financing of $10,000 for 60 Months. |
| up to 48 months | 2.49% | New Model 2026 and Newer. |
| 73–84 months | 4.74% | Used Model Years 2024-2026. Minimum Financing of $25,000 for 84 Months. |
| 61–72 months | 4.24% | Used Model Years 2024-2026. Minimum Financing of $15,000 for 72 Months. |
| 49–60 months | 3.74% | Used Model Years 2024-2026. Minimum Financing of $10,000 for 60 Months. |
| up to 48 months | 2.99% | Used Model Years 2024-2026. |
| 73–84 months | 4.99% | Used Model Years 2021-2023. Minimum Financing of $25,000 for 84 Months. |
| 61–72 months | 4.49% | Used Model Years 2021-2023. Minimum Financing of $15,000 for 72 Months. |
| 49–60 months | 4.24% | Used Model Years 2021-2023. Minimum Financing of $10,000 for 60 Months. |
| up to 48 months | 3.74% | Used Model Years 2021-2023. |
| 61–72 months | 5.99% | Used Model Years 2018-2020. Minimum Financing of $15,000 for 72 Months. |
| 49–60 months | 5.24% | Used Model Years 2018-2020. Minimum Financing of $10,000 for 60 Months. |
| up to 48 months | 4.74% | Used Model Years 2018-2020. |
| 49–60 months | 7.24% | Used Model Years 2017 or Older. Minimum Financing of $10,000 for 60 Months. |
| up to 48 months | 6.99% | Used Model Years 2017 or Older. |
| 73–84 months | 10.24% | Historic Autos (20 Years and Older). Minimum Financing of $25,000 for 84 Months. |
| 61–72 months | 9.74% | Historic Autos (20 Years and Older). Minimum Financing of $15,000 for 72 Months. |
| 49–60 months | 9.24% | Historic Autos (20 Years and Older). Minimum Financing of $10,000 for 60 Months. |
| up to 48 months | 8.74% | Historic Autos (20 Years and Older). |
Who can join WEPCO Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.