Credit union · NCUA insured
XCEL Federal Credit Union Auto Loan Rates
XCEL Federal Credit Union auto loans start at 4.89% APR for a new vehicle and 5.14% for a used one. Rates checked October 22, 2026.
How XCEL Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where XCEL Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
XCEL Federal Credit Union
4.89%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto / Truck / Motorcycle Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
XCEL Federal Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew4.89%
- Used vehicleUsed5.14%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where XCEL 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.
New Auto / Truck / Motorcycle Loans
New vehicles are year models 2026 & 2025 with 10,000 miles or less. Proof of full insurance coverage is required. Direct deposit of minimum $500 per month to XCEL account required within 60 days to obtain lowest advertised APR. If direct deposit not established within 60 days, APR increases by 0.50% during the term. If direct deposit discontinued, interest rate increases by 0.50%. Refinancing of existing XCEL loans is not permissible.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.49% | With Direct Deposit. Standard Auto/Truck. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 24 months | 3.99% | Without Direct Deposit. Standard Auto/Truck. |
| up to 36 months | 4.29% | With Direct Deposit. Standard Auto/Truck. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 36 months | 4.79% | Without Direct Deposit. Standard Auto/Truck. |
| up to 60 months | 4.89% | With Direct Deposit. Standard Auto/Truck. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 60 months | 5.39% | Without Direct Deposit. Standard Auto/Truck. |
| up to 72 months | 5.49% | With Direct Deposit. Standard Auto/Truck. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 72 months | 5.99% | Without Direct Deposit. Standard Auto/Truck. |
| up to 84 months | 6.09% | With Direct Deposit. Standard Auto/Truck. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 84 months | 6.59% | Without Direct Deposit. Standard Auto/Truck. |
| up to 36 months | 5.69% | With Direct Deposit. Motorcycle. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 36 months | 6.19% | Without Direct Deposit. Motorcycle. |
| up to 60 months | 6.19% | With Direct Deposit. Motorcycle. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 60 months | 6.69% | Without Direct Deposit. Motorcycle. |
| up to 72 months | 6.69% | With Direct Deposit. Motorcycle. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 72 months | 7.19% | Without Direct Deposit. Motorcycle. |
| up to 84 months | 7.19% | With Direct Deposit. Motorcycle. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 84 months | 7.69% | Without Direct Deposit. Motorcycle. |
Sources (1)
- xcelfcu.org/Explore/Resources/Rates · captured Oct 22, 2026
Used Auto / Truck / Motorcycle Loans
Used autos are model years 2018 or newer. Proof of full insurance coverage is required. Direct deposit of minimum $500 per month to XCEL account required within 60 days to obtain lowest advertised APR. If direct deposit not established within 60 days, APR increases by 0.50% during the term. If direct deposit discontinued, interest rate increases by 0.50%. Refinancing of existing XCEL loans is not permissible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | With Direct Deposit. Standard Auto/Truck. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 36 months | 5.49% | Without Direct Deposit. Standard Auto/Truck. |
| up to 60 months | 5.14% | With Direct Deposit. Standard Auto/Truck. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 60 months | 5.64% | Without Direct Deposit. Standard Auto/Truck. |
| up to 72 months | 5.74% | With Direct Deposit. Standard Auto/Truck. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 72 months | 6.24% | Without Direct Deposit. Standard Auto/Truck. |
| up to 84 months | 6.14% | With Direct Deposit. Standard Auto/Truck. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 84 months | 6.64% | Without Direct Deposit. Standard Auto/Truck. |
| up to 36 months | 6.19% | With Direct Deposit. Motorcycle. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 36 months | 6.69% | Without Direct Deposit. Motorcycle. |
| up to 60 months | 6.69% | With Direct Deposit. Motorcycle. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 60 months | 7.19% | Without Direct Deposit. Motorcycle. |
| up to 72 months | 7.19% | With Direct Deposit. Motorcycle. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 72 months | 7.69% | Without Direct Deposit. Motorcycle. |
| up to 84 months | 7.69% | With Direct Deposit. Motorcycle. Rate includes 0.50% direct deposit discount (minimum $500/month). |
| up to 84 months | 8.19% | Without Direct Deposit. Motorcycle. |
Sources (1)
- xcelfcu.org/Explore/Resources/Rates · captured Oct 22, 2026
Who can join XCEL Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to select companies and organizations in New Jersey and New York.
Family and household
- Immediate family members are eligible to join.
Cost to join
- There are no membership fees.
Membership information collected October 5, 2026.