Credit union · NCUA insured
White Rose Credit Union Auto Loan Rates
Top CarrotWhite Rose Credit Union auto loans start at 5.99% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How White Rose Credit Union’s auto loan rates compare
Compared with banks and credit unions near York, PA, where White Rose Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
White Rose Credit Union
5.99%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Heritage Valley Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Discount
- None included
2nd-lowest rate
First Capital Federal Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
White Rose Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where White Rose 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.
Auto Loans
Rates based on 'A+' credit and require autopay. Vehicles and certain Recreational Vehicles require liability and comprehensive insurance. Max LTV is 125% MSRP for new vehicles, 125% of book value for used vehicles, and 90% of book value for used vehicles 10+ years old. Membership eligibility applies.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.74% | Model Year 2026 – 2027 (New Vehicles). Must be current or prior year model and must not have been previously titled. Tax, title, tags and optional products. Max LTV is 125% MSRP. Based on 'A+' credit and requires autopay. |
| up to 60 months | 4.74% | Model Year 2026 – 2027 (New Vehicles). Must be current or prior year model and must not have been previously titled. Tax, title, tags and optional products. Max LTV is 125% MSRP. Based on 'A+' credit and requires autopay. |
| up to 72 months | 4.99% | Model Year 2026 – 2027 (New Vehicles). Must be current or prior year model and must not have been previously titled. Selling price must be $15,000 or greater. Tax, title, tags and optional products. Max LTV is 125% MSRP. Based on 'A+' credit and requires autopay. |
| up to 84 months | 5.99% | Model Year 2026 – 2027 (New Vehicles). Must be current or prior year model and must not have been previously titled. Selling price must be $20,000 or greater. Tax, title, tags and optional products. Max LTV is 125% MSRP. Based on 'A+' credit and requires autopay. |
| up to 48 months | 4.99% | Model Year 2022 – 2026 (Used Vehicles). Tax, title, tags and optional products. Max LTV is 125% of book value. Based on 'A+' credit and requires autopay. |
| up to 60 months | 4.99% | Model Year 2022 – 2026 (Used Vehicles). Tax, title, tags and optional products. Max LTV is 125% of book value. Based on 'A+' credit and requires autopay. |
| up to 72 months | 5.24% | Model Year 2022 – 2026 (Used Vehicles). Must be 40,000 miles or less & selling price $15,000 or greater. Tax, title, tags and optional products. Max LTV is 125% of book value. Based on 'A+' credit and requires autopay. |
| up to 48 months | 5.24% | Model Year 2017 – 2021 (Used Vehicles). Tax, title, tags and optional products. Max LTV is 125% of book value. Based on 'A+' credit and requires autopay. |
| up to 60 months | 5.24% | Model Year 2017 – 2021 (Used Vehicles). Tax, title, tags and optional products. Max LTV is 125% of book value. Based on 'A+' credit and requires autopay. |
| up to 72 months | 6.74% | Model Year 2017 – 2021 (Used Vehicles). Must be 40,000 miles or less & selling price $15,000 or greater. Tax, title, tags and optional products. Max LTV is 125% of book value. Based on 'A+' credit and requires autopay. |
| up to 48 months | 8.74% | Model Year 2012 – 2016 (Used Vehicles 10+ years old). Must have 150,000 miles or less & loan amount greater than $6,000.00. Max LTV is 90% of book value. Based on 'A+' credit and requires autopay. |
Sources (4)
All captured Oct 7, 2026
Who can join White Rose Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, attends school, or owns a business in York or Adams County, Pennsylvania.
Cost to join
- There is a $1.00 membership fee upon becoming a member.
- A $5.00 deposit is placed into the member's savings account to secure membership, refundable upon closing the membership.
Membership information collected October 5, 2026.