Credit union · NCUA insured
WSSC Federal Credit Union Auto Loan Rates
WSSC Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How WSSC Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where WSSC Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
WSSC Federal Credit Union
5.24%APR
- Terms
- up to 60 months
Drive4Less - New Auto Loan
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
WSSC Federal Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where WSSC 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.
Drive4Less - New Auto Loan
Hybrid loan option with benefits of a lease and fixed rate loan. Current and future year vehicles are eligible. Multiple mileage options available. 115% of MSRP or Clean Retail Value. Financing includes tags, taxes, warranties, title fees, GAP, and Excess Wear & Tear Coverage. Rates reflect a 0.50% discount for automatic payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Sample loan of $35,000 & Guaranteed Residual Value of $11,000 with estimated monthly payment of $756.92. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 48 months | 5.24% | Sample loan of $35,000 & Guaranteed Residual Value of $11,000 with estimated monthly payment of $604.95. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 60 months | 5.24% | Sample loan of $35,000 & Guaranteed Residual Value of $11,000 with estimated monthly payment of $505.05. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 72 months | 5.74% | Sample loan of $35,000 & Guaranteed Residual Value of $11,000 with estimated monthly payment of $448.84. APR as low as. Reflects 0.50% automatic payment discount. |
Sources (2)
All captured Oct 22, 2026
Drive4Less - Used Auto Loan
Hybrid loan option with benefits of a lease and fixed rate loan. Vehicles up to 5 years old and 105,000 miles are eligible. Multiple mileage options available. 115% of MSRP or Clean Retail Value. Financing includes tags, taxes, warranties, title fees, GAP, and Excess Wear & Tear Coverage. Rates and terms apply to refinance of loans from other lenders. Rates reflect a 0.50% discount for automatic payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Sample loan of $35,000 & Guaranteed Residual Value of $11,000 with estimated monthly payment of $756.72. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 48 months | 5.24% | Sample loan of $35,000 & Guaranteed Residual Value of $11,000 with estimated monthly payment of $605.12. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 60 months | 5.49% | Sample loan of $35,000 & Guaranteed Residual Value of $11,000 with estimated monthly payment of $510.18. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 72 months | 5.99% | Sample loan of $35,000 & Guaranteed Residual Value of $11,000 with estimated monthly payment of $454.03. APR as low as. Reflects 0.50% automatic payment discount. |
Sources (2)
All captured Oct 22, 2026
New Auto Loan
Financing up to 115% of MSRP or Clean Retail Value including tags, taxes, warranties, title fees, and GAP. Vehicle must be a prior or future year model with less than 15,000 miles. Rates reflect a 0.50% discount for automatic payments via payroll deduction or recurring ACH/debit card. Rate match program available on new vehicle purchases.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Sample loan of $35,000 with estimated monthly payment of $1,042.94. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 48 months | 5.24% | Sample loan of $35,000 with estimated monthly payment of $811.61. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 60 months | 5.24% | Sample loan of $35,000 with estimated monthly payment of $665.83. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 72 months | 5.74% | Sample loan of $35,000 with estimated monthly payment of $577.17. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 84 months | 6.24% | Sample loan of $35,000 with estimated monthly payment of $516.72. APR as low as. Reflects 0.50% automatic payment discount. |
Sources (2)
All captured Oct 22, 2026
Used Auto Loan
Financing up to 115% of MSRP or Clean Retail Value including tags, taxes, warranties, title fees, and GAP. Vehicle must be a prior or future year model with less than 15,000 miles. Rates reflect a 0.50% discount for automatic payments via payroll deduction or recurring ACH/debit card.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Sample loan of $35,000 with estimated monthly payment of $1,042.94. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 48 months | 5.24% | Sample loan of $35,000 with estimated monthly payment of $811.61. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 60 months | 5.49% | Sample loan of $35,000 with estimated monthly payment of $669.83. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 72 months | 5.99% | Sample loan of $35,000 with estimated monthly payment of $581.37. APR as low as. Reflects 0.50% automatic payment discount. |
| up to 84 months | 6.49% | Sample loan of $35,000 with estimated monthly payment of $521.01. APR as low as. Reflects 0.50% automatic payment discount. |
Sources (2)
All captured Oct 22, 2026
Who can join WSSC Federal Credit Union
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