Credit union · NCUA insured
York Educational Federal Credit Union Auto Loan Rates
York Educational Federal Credit Union auto loans start at 6.25% APR for a new vehicle and 7.29% for a used one. Rates checked October 16, 2026.
How York Educational Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near York, PA, where York Educational Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
York Educational Federal Credit Union
6.25%APR
- Terms
- up to 60 months
New Vehicle Loans
Lowest rate
Heritage Valley Federal Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
First Capital Federal Credit Union
3.99%APR
- Terms
- up to 72 months
York Educational Federal Credit Union auto loan score
62
Auto loan score
Higher than 7% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed7.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where York Educational 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 Vehicle Loans
We lend up to 100% of the sticker price on new car, truck, and motorcycle purchases. Rates available to qualified members only and based on certain credit standards.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99% | Rates available to qualified members only and based on certain credit standards. |
| up to 48 months | 5.99% | Rates available to qualified members only and based on certain credit standards. |
| up to 60 months | 6.25% | Rates available to qualified members only and based on certain credit standards. |
| up to 72 months | 6.50% | Rates available to qualified members only and based on certain credit standards. |
| up to 84 months | 7.99% | Rates available to qualified members only and based on certain credit standards. |
Used Vehicle Loans
We lend up to 100% of the NADA Retail Value on used car, truck, and motorcycle purchases. Vehicle Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.19% | Vehicle Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. |
| up to 48 months | 6.59% | Vehicle Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. |
| up to 60 months | 7.29% | Vehicle Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. |
| up to 72 months | 8.29% | Vehicle Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. |
| up to 84 months | 8.59% | Vehicle Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. |
Who can join York Educational 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 employees of participating businesses and organizations in the York, PA area.
- Membership is open to members of participating community organizations and churches.
Military, government and schools
- Membership is open to employees of participating school districts and educational institutions in the York, PA area.
- Membership is open to students and members of participating school-related entities and educational organizations.
Family and household
- Membership is open to family members of eligible individuals and employees of participating entities.
Membership information collected October 5, 2026.