Wyoming Valley Educational Employees Federal Credit Union Auto Loan Rates

How Wyoming Valley Educational Employees Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Scranton, PA, where Wyoming Valley Educational Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Wyoming Valley Educational Employees Federal Credit Union
5.25%APR
Terms
up to 60 months
Vehicle Loans
Lowest rate
UFCW Community Federal Credit Union
3.70%APR
Terms
up to 60 months
UFCW Community Federal Credit Union rates
2nd-lowest rate
PenFed Credit Union
3.84%APR
Terms
up to 60 months
PenFed Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 44% of U.S. banks and credit unions

By vehicle

New vehicleNew5.25%
Used vehicleUsed5.25%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Wyoming Valley Educational Employees 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.

Vehicle Loans

Loans disbursed by pre-scheduled appointment in Plains office. Proof of income required. Rates subject to change without prior notice. Credit score determines maximum loan amount percentage of selling price or NADA retail value. Mileage restrictions apply.

Terms	APR	Conditions
up to 24 months	4.50%	2027, 2026 (with mileage under 20,000). Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used).
up to 36 months	4.75%	2027, 2026 (with mileage under 20,000). Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used).
up to 48 months	5.00%	2027, 2026 (with mileage under 20,000). Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used).
up to 60 months	5.25%	2027, 2026 (with mileage under 20,000). Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used).
up to 72 months	5.50%	2027, 2026 (with mileage under 20,000). Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used).
up to 78 months	5.75%	2027, 2026 (with mileage under 20,000). Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used).
up to 84 months	6.25%	2027, 2026 (with mileage under 20,000). Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used).
up to 24 months	4.75%	2026 (mileage above 20,000), 2025, 2024. Maximum loan: Credit score under 700: 95% of NADA retail value; Credit score 700+: 100% of NADA retail value. Vehicles with mileage over 60,000 will have 2 points added on to these rates.
up to 36 months	5.00%	2026 (mileage above 20,000), 2025, 2024. Maximum loan: Credit score under 700: 95% of NADA retail value; Credit score 700+: 100% of NADA retail value. Vehicles with mileage over 60,000 will have 2 points added on to these rates.
up to 48 months	5.25%	2026 (mileage above 20,000), 2025, 2024. Maximum loan: Credit score under 700: 95% of NADA retail value; Credit score 700+: 100% of NADA retail value. Vehicles with mileage over 60,000 will have 2 points added on to these rates.
up to 60 months	5.50%	2026 (mileage above 20,000), 2025, 2024. Maximum loan: Credit score under 700: 95% of NADA retail value; Credit score 700+: 100% of NADA retail value. Vehicles with mileage over 60,000 will have 2 points added on to these rates.
up to 72 months	5.75%	2026 (mileage above 20,000), 2025, 2024. Maximum loan: Credit score under 700: 95% of NADA retail value; Credit score 700+: 100% of NADA retail value. Vehicles with mileage over 60,000 will have 2 points added on to these rates.
up to 24 months	5.25%	2023, 2022, 2021. Maximum loan of 90% NADA retail value. Vehicles with mileage of 100,000-124,999 will have 1 point added on to these rates. No vehicles with mileage over 125,000 will be accepted.
up to 36 months	5.50%	2023, 2022, 2021. Maximum loan of 90% NADA retail value. Vehicles with mileage of 100,000-124,999 will have 1 point added on to these rates. No vehicles with mileage over 125,000 will be accepted.
up to 48 months	5.75%	2023, 2022, 2021. Maximum loan of 90% NADA retail value. Vehicles with mileage of 100,000-124,999 will have 1 point added on to these rates. No vehicles with mileage over 125,000 will be accepted.
up to 60 months	6.25%	2023 only. Maximum loan of 90% NADA retail value. Vehicles with mileage of 100,000-124,999 will have 1 point added on to these rates. No vehicles with mileage over 125,000 will be accepted.
up to 24 months	5.75%	2020, 2019, 2018. Vehicle must have book value of at least $7,000 to qualify. Maximum loan of 85% NADA retail value. No vehicles with mileage over 125,000 will be accepted.
up to 36 months	6.50%	2020, 2019, 2018. Vehicle must have book value of at least $7,000 to qualify. Maximum loan of 85% NADA retail value. No vehicles with mileage over 125,000 will be accepted.
up to 48 months	7.50%	2020 only. Vehicle must have book value of at least $7,000 to qualify. Maximum loan of 85% NADA retail value. No vehicles with mileage over 125,000 will be accepted.
up to 24 months	6.99%	2017, 2016. Vehicle must have book value of at least $6,000 and 30 day warranty or guarantee to qualify. Mileage must not exceed 125,000. Maximum loan of 85% NADA retail value.
25–36 months	7.99%	2017, 2016. Vehicle must have book value of at least $6,000 and 30 day warranty or guarantee to qualify. Mileage must not exceed 125,000. Maximum loan of 85% NADA retail value.

Sources (2)

All captured Oct 7, 2026

Who can join Wyoming Valley Educational Employees Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Military, government and schools

Employees of various local educational groups are eligible for membership.

Family and household

Immediate family members of employees of various local educational groups are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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