Credit union · NCUA insured
Western PA FCU Auto Loan Rates
Western PA FCU auto loans start at 3.64% APR for a new vehicle and 3.94% for a used one. Rates checked October 16, 2026.
How Western PA FCU’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Western PA FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New Auto (1st Owner)
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
3rd-lowest rate
Pittsburgh City Hall Employees Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- None included
Western PA FCU auto loan score
95
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.64%
- Used vehicleUsed3.94%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Western PA FCU 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 Auto (1st Owner)
Qualifying members can receive a 0.25% rate discount per qualifying service (E-Statements, Full Direct Deposit from employer, Checking Account, Western PA Visa Credit Card) up to 1.00% total with the Evergreen Advantage Program.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.49% | Standard rate without Evergreen Advantage discount. |
| 1–36 months | 3.49% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
| 37–48 months | 4.49% | Standard rate without Evergreen Advantage discount. |
| 37–48 months | 3.49% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
| 49–60 months | 4.64% | Standard rate without Evergreen Advantage discount. |
| 49–60 months | 3.64% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
| 61–72 months | 4.74% | Standard rate without Evergreen Advantage discount. |
| 61–72 months | 3.74% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
| 73–84 months | 4.84% | Standard rate without Evergreen Advantage discount. |
| 73–84 months | 3.84% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
Sources (1)
- westernpafcu.org/loan-rates · captured Oct 7, 2026
Used Auto 2019 & Older
Qualifying members can receive a 0.25% rate discount per qualifying service (E-Statements, Full Direct Deposit from employer, Checking Account, Western PA Visa Credit Card) up to 1.00% total with the Evergreen Advantage Program.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.14% | Standard rate without Evergreen Advantage discount. |
| 1–36 months | 4.14% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
| 37–48 months | 5.54% | Standard rate without Evergreen Advantage discount. |
| 37–48 months | 4.54% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
| 49–60 months | 6.04% | Standard rate without Evergreen Advantage discount. |
| 49–60 months | 5.04% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
Sources (1)
- westernpafcu.org/loan-rates · captured Oct 7, 2026
Used Auto 2025 – 2020
Qualifying members can receive a 0.25% rate discount per qualifying service (E-Statements, Full Direct Deposit from employer, Checking Account, Western PA Visa Credit Card) up to 1.00% total with the Evergreen Advantage Program.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.74% | Standard rate without Evergreen Advantage discount. |
| 1–36 months | 3.74% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
| 37–48 months | 4.74% | Standard rate without Evergreen Advantage discount. |
| 37–48 months | 3.74% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
| 49–60 months | 4.94% | Standard rate without Evergreen Advantage discount. |
| 49–60 months | 3.94% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
| 61–72 months | 5.14% | Standard rate without Evergreen Advantage discount. |
| 61–72 months | 4.14% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
| 73–84 months | 5.24% | Standard rate without Evergreen Advantage discount. |
| 73–84 months | 4.24% | With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card). |
Sources (1)
- westernpafcu.org/loan-rates · captured Oct 7, 2026
Who can join Western PA FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of Greater Latrobe Schools are eligible for membership.
Membership information collected October 5, 2026.