Auto Loan Rates in Maryland (MD) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Maryland. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Maryland include WEPCO Federal Credit UnionWEPCO Federal Credit Union12511 Winchester Rd SW, LaVale, MD, 21502A+5.0 ★Texas Ratio: 3.46% offering New or Used Vehicle Loans at 2.49%, POCU of MarylandPOCU of Maryland900 E Fayette St Rm 606, Baltimore, MD, 21233 1050A+5.0 ★Texas Ratio: 4.06% offering New Car 24 Months at 3.09%, Baxter Credit UnionBaxter Credit Union5260 Western Ave, Chevy Chase, MD, 20815A5.0 ★Texas Ratio: 7.04% offering Auto Loans at 3.24%, Cedar Point Federal Credit UnionCedar Point Federal Credit Union22745 Maple Rd, Lexington Park, MD, 20653A+5.0 ★Texas Ratio: 3.81% offering New Auto at 3.49%, Market USA Federal Credit UnionMarket USA Federal Credit Union8871 Gorman Rd, Laurel, MD, 20723 5877A5.0 ★Texas Ratio: 5.99% offering New Auto at 3.49%. Auto loan rates as of June 3, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Maryland side-by-side. Maryland auto loan rates currently start as low as 2.49% APR from WEPCO Federal Credit Union at 12511 Winchester Rd SW, LaVale, MD, 21502. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Maryland. Auto Loan Rates Last Updated and Verified: June 3, 2026
Compare Auto Loan Rates Today in Maryland
Maryland Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
2.49%
0-48
▼
APR2.49%
Term0-48
Last UpdatedMay 29, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
2.99%
0-48
▼
APR2.99%
Term0-48
Last UpdatedMay 29, 2026
Details
As Low As
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
New Car 24 Months
3.09%
24 Months
▼
APR3.09%
Term24 Months
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
New Car 36 Months
3.09%
36 Months
▼
APR3.09%
Term36 Months
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
New Car 48 Months
3.09%
48 Months
▼
APR3.09%
Term48 Months
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
New Car 60 Months
3.09%
60 Months
▼
APR3.09%
Term60 Months
Last UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
5260 Western Ave, Chevy Chase, MD, 20815
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
3.24%
49-60
▼
APR3.24%
Term49-60
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 24 Months
3.29%
24 Months
▼
APR3.29%
Term24 Months
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 36 Months
3.29%
36 Months
▼
APR3.29%
Term36 Months
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 48 Months
3.29%
48 Months
▼
APR3.29%
Term48 Months
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 60 Months
3.29%
60 Months
▼
APR3.29%
Term60 Months
Last UpdatedMay 20, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD, 20653
New Auto
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
3.49%
61-72
▼
APR3.49%
Term61-72
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
3.74%
49-60
▼
APR3.74%
Term49-60
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
New Cars and Trucks Loan
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Off-Road Vehicle Loan
3.99%
1-36
▼
APR3.99%
Term1-36
Last UpdatedMay 17, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
5260 Western Ave, Chevy Chase, MD, 20815
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) Auto 0-48 months (up to 110%)
3.99%
48 month
▼
APR3.99%
Term48 month
Last UpdatedMay 22, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 3, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Used Car & Truck Refinance Loan
4.19%
1-36
▼
APR4.19%
Term1-36
Last UpdatedMay 17, 2026
Details
As Low As; Automated Payments APR
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
New Auto
4.19%
1 to 36
▼
APR4.19%
Term1 to 36
Last UpdatedMay 20, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20993
New & Used Vehicles Loan
4.20%
2-3 Years
▼
APR4.20%
Term2-3 Years
Last UpdatedMay 21, 2026
Details
Rates are subject to change and based on creditworthiness. Other rates may apply.
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
New Vehicles Loan
4.20%
36 Months
▼
APR4.20%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Off-Road Vehicle Loan
4.24%
37-51
▼
APR4.24%
Term37-51
Last UpdatedMay 17, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) 49-60 months (up to 110%)
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
4.24%
73-84
▼
APR4.24%
Term73-84
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD, 20774
New/Used Car or Truck Loan
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 29, 2026
Details
Up to 135% of Car Value
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
New Cars and Trucks Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
Used Cars and Trucks Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
19638 Leitersburg Pike, Hagerstown, MD, 21742
New/Used Vehicle Loan
4.25%
5 Months
▼
APR4.25%
Term5 Months
Last UpdatedMay 29, 2026
Details
As Low As
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
New Auto
4.29%
37 to 48
▼
APR4.29%
Term37 to 48
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
New Car 72 Months
4.29%
72 Months
▼
APR4.29%
Term72 Months
Last UpdatedMay 20, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20993
New & Used Vehicles Loan
4.40%
4 Years
▼
APR4.40%
Term4 Years
Last UpdatedMay 21, 2026
Details
Rates are subject to change and based on creditworthiness. Other rates may apply.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Used Car & Truck Refinance Loan
4.44%
37-51
▼
APR4.44%
Term37-51
Last UpdatedMay 17, 2026
Details
As Low As; Automated Payments APR
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
5260 Western Ave, Chevy Chase, MD, 20815
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 72 Months
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20993
New & Used Vehicles Loan
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedMay 21, 2026
Details
Rates are subject to change and based on creditworthiness. Other rates may apply.
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD, 20653
New Auto
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - New Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
New Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Used Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
900 Caton Ave, Baltimore, MD, 21229
New Car Loan
4.49%
up to 60
▼
APR4.49%
Termup to 60
Last UpdatedMay 22, 2026
Details
As Low As
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD, 20774
New/Used Car or Truck Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
Up to 135% of Car Value
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD, 20706 4321
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD, 20706 4321
New Vehicles Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
New Auto
4.54%
49 to 66
▼
APR4.54%
Term49 to 66
Last UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD, 21090 2342
New Auto
4.54%
36 Month
▼
APR4.54%
Term36 Month
Last UpdatedMay 31, 2026
Details
New Auto or Truck Purchase/Refinance
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
New Vehicles Loan
4.55%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
New Auto Loan
4.59%
48 months
▼
APR4.59%
Term48 months
Last UpdatedJun 3, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
Used Auto Loan
4.60%
36 months
▼
APR4.60%
Term36 months
Last UpdatedJun 3, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Used Car & Truck Refinance Loan
4.69%
52-63
▼
APR4.69%
Term52-63
Last UpdatedMay 17, 2026
Details
As Low As; Automated Payments APR
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2025 Car Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
New Auto Loan
4.69%
60 months
▼
APR4.69%
Term60 months
Last UpdatedJun 3, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Off-Road Vehicle Loan
4.74%
52-60
▼
APR4.74%
Term52-60
Last UpdatedMay 17, 2026
Details
As Low As
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD, 20653
Pre-owned Auto
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
900 Caton Ave, Baltimore, MD, 21229
New Car Loan
4.74%
61-72
▼
APR4.74%
Term61-72
Last UpdatedMay 22, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
4.74%
73-84
▼
APR4.74%
Term73-84
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
New Cars and Trucks Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
Used Cars and Trucks Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD, 20706 4321
New Vehicles Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
Used Vehicles Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
New Car 84 Months
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 20, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2024 Car Loans
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD, 21090 2342
Used Auto
4.79%
36 Month
▼
APR4.79%
Term36 Month
Last UpdatedMay 31, 2026
Details
Used Auto or Truck Purchase/Refinance
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
New Auto Loan
4.84%
1 - 36
▼
APR4.84%
Term1 - 36
Last UpdatedMay 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2023 Car Loans
4.89%
36 Months
▼
APR4.89%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2026 Car Loans
4.89%
36 Months
▼
APR4.89%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
New Auto
4.94%
67 to 78
▼
APR4.94%
Term67 to 78
Last UpdatedMay 20, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
Used Auto Loan
4.94%
48 months
▼
APR4.94%
Term48 months
Last UpdatedJun 3, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
5260 Western Ave, Chevy Chase, MD, 20815
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 84 Months
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 20, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) 61-72 months (up to 110%)
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 22, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
Used Auto (20-23) (up to 110%)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As
Prince Georges Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
15201 Hall RD, Bowie, MD, 20721
New and Used Auto
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD, 20874 2627
New/Used Auto Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
New Auto Loan
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 22, 2026
Details
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
900 Caton Ave, Baltimore, MD, 21229
Used Car Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
203 Booth St, Elkton, MD, 21921 5646
Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; Plus, get First Financial financing directly at over 40 dealerships!
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
New Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD, 20706 4321
Used Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
Used Auto Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedJun 3, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Used Car & Truck Refinance Loan
5.09%
64-75
▼
APR5.09%
Term64-75
Last UpdatedMay 17, 2026
Details
As Low As; Automated Payments APR
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2022 Car Loans
5.09%
36 Months
▼
APR5.09%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD, 20747
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to $25,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD, 20747
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
New Vehicles Loan
5.10%
60 Months
▼
APR5.10%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
Used Vehicles Loan
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) 73-84 months
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
Used Auto (20-23) (up to 110%)
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - New Auto Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - Used Auto Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
New Auto
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Used Auto
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Prince Georges Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
15201 Hall RD, Bowie, MD, 20721
New and Used Auto
5.24%
37 - 72 Months
▼
APR5.24%
Term37 - 72 Months
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD, 20874 2627
New/Used Auto Loan
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
900 Caton Ave, Baltimore, MD, 21229
Used Car Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Central Credit Union of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
8501 La Salle Rd, Baltimore, MD, 21286 5914
New or Used Car / Truck Loan
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As; 12-84 Months available
Central Credit Union of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
8501 La Salle Rd, Baltimore, MD, 21286 5914
Refinance Auto Loan
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
Used Cars and Trucks Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
New Vehicles - 36 Months Loan
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedJun 3, 2026
Details
APR as low as
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2024 Car Loans
5.29%
63 Months
▼
APR5.29%
Term63 Months
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2025 Car Loans
5.29%
63 Months
▼
APR5.29%
Term63 Months
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Used Auto Loan
5.34%
1 - 36
▼
APR5.34%
Term1 - 36
Last UpdatedMay 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2023 Car Loans
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2026 Car Loans
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedMay 22, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
New Vehicles Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20993
New & Used Vehicles Loan
5.49%
6 Years
▼
APR5.49%
Term6 Years
Last UpdatedMay 21, 2026
Details
Rates are subject to change and based on creditworthiness. Other rates may apply.
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
4003 Branch Ave, Temple Hills, MD, 20748
NEW and USED Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As; APR= Annual Percentage Rate. The APR listed is the lowest available rate for the term. Rates, terms, and conditions are subject to change and vary based on creditworthiness, income, and other qualifications. Not all members will qualify. Discounts may be available. The lowest rate available, including with discounts is 5.49% APR. Payment example: 36 monthly payments of $31.10 per $1,000.00 borrowed at 7.49% APR. At no time can the discounted loan rate be lower than the credit union's designated floor rate.
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD, 20653
New Auto
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2025 Car Loans
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - Used Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD, 20874 2627
New/Used Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Used Auto Loan
5.49%
37 - 48
▼
APR5.49%
Term37 - 48
Last UpdatedMay 22, 2026
Details
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
900 Caton Ave, Baltimore, MD, 21229
New Car Loan
5.49%
73-84
▼
APR5.49%
Term73-84
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
726 Cambridge Plz, Cambridge, MD, 21613
Auto Loan
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
New Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto APR1 Classic Vehicle Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD, 20747
Used Auto Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
New Auto Loan
5.52%
72 months*
▼
APR5.52%
Term72 months*
Last UpdatedJun 3, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2022 Car Loans
5.59%
63 Months
▼
APR5.59%
Term63 Months
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2024 Car Loans
5.59%
75 Months
▼
APR5.59%
Term75 Months
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business New Auto Loan
5.59%
1 - 36
▼
APR5.59%
Term1 - 36
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business New Vehicle Loan
5.59%
1 - 36
▼
APR5.59%
Term1 - 36
Last UpdatedMay 22, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
New Vehicles - 60 Months Loan
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedJun 3, 2026
Details
APR as low as
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
Used Vehicles - 36 Months Loan
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedJun 3, 2026
Details
APR as low as
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
New Auto Loan
5.67%
84 months**
▼
APR5.67%
Term84 months**
Last UpdatedJun 3, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2026 Car Loans
5.69%
75 Months
▼
APR5.69%
Term75 Months
Last UpdatedMay 22, 2026
Details
As Low As
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
New Auto
5.74%
79 to 87
▼
APR5.74%
Term79 to 87
Last UpdatedMay 20, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD, 20653
Pre-owned Auto
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - New Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
New Auto
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Prince Georges Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
15201 Hall RD, Bowie, MD, 20721
New and Used Auto
5.74%
73 - 84 Months
▼
APR5.74%
Term73 - 84 Months
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD, 20874 2627
New/Used Auto Loan
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD, 20774
New/Used Car or Truck Loan
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
Up to 135% of Car Value
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
New Cars and Trucks Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto APR1 Classic Vehicle Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD, 20706 4321
New Vehicles Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
Used Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2023 Car Loans
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD, 20747
New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As; $15,000 to $35,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD, 20747
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business New Auto Loan
5.84%
37 - 48
▼
APR5.84%
Term37 - 48
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business New Vehicle Loan
5.84%
37 - 48
▼
APR5.84%
Term37 - 48
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2020-2021 Car Loans
5.89%
36 Months
▼
APR5.89%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
New Vehicles Loan
5.90%
84 Months
▼
APR5.90%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
Used Vehicles - 60 Months Loan
5.94%
60 Months
▼
APR5.94%
Term60 Months
Last UpdatedJun 3, 2026
Details
APR as low as
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Used Car & Truck Refinance Loan
5.99%
76-84
▼
APR5.99%
Term76-84
Last UpdatedMay 17, 2026
Details
As Low As; Automated Payments APR
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
5260 Western Ave, Chevy Chase, MD, 20815
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2022 Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
Used Auto (20-23) (up to 110%)
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - Used Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Used Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
New Auto Loan
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 22, 2026
Details
Minimum $25,000 loan amount
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
900 Caton Ave, Baltimore, MD, 21229
Used Car Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD, 20774
New/Used Car or Truck Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
Up to 135% of Car Value (Minimum $15,000)
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto APR1 Classic Vehicle Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 17, 2026
Details
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
New Vehicles - 72 Months Loan
6.04%
72 Months
▼
APR6.04%
Term72 Months
Last UpdatedJun 3, 2026
Details
APR as low as
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
Used Vehicles Loan
6.05%
72 Months
▼
APR6.05%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business New Auto Loan
6.09%
49 - 60
▼
APR6.09%
Term49 - 60
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business New Vehicle Loan
6.09%
49 - 60
▼
APR6.09%
Term49 - 60
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business Used Auto Loan
6.09%
1 - 36
▼
APR6.09%
Term1 - 36
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business Used Vehicle Loan
6.09%
1 - 36
▼
APR6.09%
Term1 - 36
Last UpdatedMay 22, 2026
Details
As Low As
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD, 21742
Auto Loans (100% LTV1)
6.14%
Up to 63 months
▼
APR6.14%
TermUp to 63 months
Last UpdatedMay 22, 2026
Details
As Low As; APR=Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing. Example: $10,000 loan, monthly payment will be $193.98 for 60 months at 6.14%. Rates may change without notice. All loans subject to credit approval.
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
Commercial New Vehicle
6.19%
1 to 36
▼
APR6.19%
Term1 to 36
Last UpdatedMay 20, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
Used Auto Loan
6.20%
72 months*
▼
APR6.20%
Term72 months*
Last UpdatedJun 3, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
Used Auto (22-23) (up to 110%)
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
New Auto
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
Used Cars and Trucks Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
New Auto Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto APR1 Classic Vehicle Loans
6.25%
120 Months
▼
APR6.25%
Term120 Months
Last UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 17, 2026
Details
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
Commercial New Vehicle
6.29%
37 to 48
▼
APR6.29%
Term37 to 48
Last UpdatedMay 20, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD, 20852
2024 Car Loans
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Maryland New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
2.49%
0-48
▼
APR2.49%
Term0-48
Last UpdatedMay 29, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
2.99%
0-48
▼
APR2.99%
Term0-48
Last UpdatedMay 29, 2026
Details
As Low As
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
New Car 24 Months
3.09%
24 Months
▼
APR3.09%
Term24 Months
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
New Car 36 Months
3.09%
36 Months
▼
APR3.09%
Term36 Months
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
New Car 48 Months
3.09%
48 Months
▼
APR3.09%
Term48 Months
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
New Car 60 Months
3.09%
60 Months
▼
APR3.09%
Term60 Months
Last UpdatedMay 20, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
3.24%
49-60
▼
APR3.24%
Term49-60
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD, 20653
New Auto
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
3.49%
61-72
▼
APR3.49%
Term61-72
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
3.74%
49-60
▼
APR3.74%
Term49-60
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
New Cars and Trucks Loan
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) Auto 0-48 months (up to 110%)
3.99%
48 month
▼
APR3.99%
Term48 month
Last UpdatedMay 22, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 3, 2026
Details
As Low As
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
New Auto
4.19%
1 to 36
▼
APR4.19%
Term1 to 36
Last UpdatedMay 20, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20993
New & Used Vehicles Loan
4.20%
2-3 Years
▼
APR4.20%
Term2-3 Years
Last UpdatedMay 21, 2026
Details
Rates are subject to change and based on creditworthiness. Other rates may apply.
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
New Vehicles Loan
4.20%
36 Months
▼
APR4.20%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) 49-60 months (up to 110%)
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
4.24%
73-84
▼
APR4.24%
Term73-84
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD, 20774
New/Used Car or Truck Loan
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 29, 2026
Details
Up to 135% of Car Value
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
New Cars and Trucks Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
19638 Leitersburg Pike, Hagerstown, MD, 21742
New/Used Vehicle Loan
4.25%
5 Months
▼
APR4.25%
Term5 Months
Last UpdatedMay 29, 2026
Details
As Low As
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
New Auto
4.29%
37 to 48
▼
APR4.29%
Term37 to 48
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
New Car 72 Months
4.29%
72 Months
▼
APR4.29%
Term72 Months
Last UpdatedMay 20, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20993
New & Used Vehicles Loan
4.40%
4 Years
▼
APR4.40%
Term4 Years
Last UpdatedMay 21, 2026
Details
Rates are subject to change and based on creditworthiness. Other rates may apply.
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20993
New & Used Vehicles Loan
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedMay 21, 2026
Details
Rates are subject to change and based on creditworthiness. Other rates may apply.
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD, 20653
New Auto
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - New Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
New Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
900 Caton Ave, Baltimore, MD, 21229
New Car Loan
4.49%
up to 60
▼
APR4.49%
Termup to 60
Last UpdatedMay 22, 2026
Details
As Low As
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD, 20774
New/Used Car or Truck Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
Up to 135% of Car Value
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD, 20706 4321
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD, 20706 4321
New Vehicles Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
New Auto
4.54%
49 to 66
▼
APR4.54%
Term49 to 66
Last UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD, 21090 2342
New Auto
4.54%
36 Month
▼
APR4.54%
Term36 Month
Last UpdatedMay 31, 2026
Details
New Auto or Truck Purchase/Refinance
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
New Vehicles Loan
4.55%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
New Auto Loan
4.59%
48 months
▼
APR4.59%
Term48 months
Last UpdatedJun 3, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
New Auto Loan
4.69%
60 months
▼
APR4.69%
Term60 months
Last UpdatedJun 3, 2026
Details
As Low As
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
900 Caton Ave, Baltimore, MD, 21229
New Car Loan
4.74%
61-72
▼
APR4.74%
Term61-72
Last UpdatedMay 22, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
4.74%
73-84
▼
APR4.74%
Term73-84
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
New Cars and Trucks Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD, 20706 4321
New Vehicles Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
New Car 84 Months
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 20, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
New Auto Loan
4.84%
1 - 36
▼
APR4.84%
Term1 - 36
Last UpdatedMay 22, 2026
Details
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
New Auto
4.94%
67 to 78
▼
APR4.94%
Term67 to 78
Last UpdatedMay 20, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) 61-72 months (up to 110%)
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 22, 2026
Details
As Low As
Prince Georges Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
15201 Hall RD, Bowie, MD, 20721
New and Used Auto
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD, 20874 2627
New/Used Auto Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
New Auto Loan
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 22, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
New Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD, 20747
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to $25,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD, 20747
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
New Vehicles Loan
5.10%
60 Months
▼
APR5.10%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) 73-84 months
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - New Auto Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
New Auto
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Prince Georges Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
15201 Hall RD, Bowie, MD, 20721
New and Used Auto
5.24%
37 - 72 Months
▼
APR5.24%
Term37 - 72 Months
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD, 20874 2627
New/Used Auto Loan
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Central Credit Union of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
8501 La Salle Rd, Baltimore, MD, 21286 5914
New or Used Car / Truck Loan
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As; 12-84 Months available
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
New Vehicles - 36 Months Loan
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedJun 3, 2026
Details
APR as low as
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
New Vehicles Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20993
New & Used Vehicles Loan
5.49%
6 Years
▼
APR5.49%
Term6 Years
Last UpdatedMay 21, 2026
Details
Rates are subject to change and based on creditworthiness. Other rates may apply.
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
4003 Branch Ave, Temple Hills, MD, 20748
NEW and USED Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As; APR= Annual Percentage Rate. The APR listed is the lowest available rate for the term. Rates, terms, and conditions are subject to change and vary based on creditworthiness, income, and other qualifications. Not all members will qualify. Discounts may be available. The lowest rate available, including with discounts is 5.49% APR. Payment example: 36 monthly payments of $31.10 per $1,000.00 borrowed at 7.49% APR. At no time can the discounted loan rate be lower than the credit union's designated floor rate.
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD, 20653
New Auto
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD, 20874 2627
New/Used Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
900 Caton Ave, Baltimore, MD, 21229
New Car Loan
5.49%
73-84
▼
APR5.49%
Term73-84
Last UpdatedMay 22, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
New Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
New Auto Loan
5.52%
72 months*
▼
APR5.52%
Term72 months*
Last UpdatedJun 3, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business New Auto Loan
5.59%
1 - 36
▼
APR5.59%
Term1 - 36
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business New Vehicle Loan
5.59%
1 - 36
▼
APR5.59%
Term1 - 36
Last UpdatedMay 22, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
New Vehicles - 60 Months Loan
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedJun 3, 2026
Details
APR as low as
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
New Auto Loan
5.67%
84 months**
▼
APR5.67%
Term84 months**
Last UpdatedJun 3, 2026
Details
As Low As
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
New Auto
5.74%
79 to 87
▼
APR5.74%
Term79 to 87
Last UpdatedMay 20, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - New Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
New Auto
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Prince Georges Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
15201 Hall RD, Bowie, MD, 20721
New and Used Auto
5.74%
73 - 84 Months
▼
APR5.74%
Term73 - 84 Months
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD, 20874 2627
New/Used Auto Loan
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD, 20774
New/Used Car or Truck Loan
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
Up to 135% of Car Value
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
New Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
New Cars and Trucks Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD, 20706 4321
New Vehicles Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD, 20747
New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As; $15,000 to $35,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD, 20747
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business New Auto Loan
5.84%
37 - 48
▼
APR5.84%
Term37 - 48
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business New Vehicle Loan
5.84%
37 - 48
▼
APR5.84%
Term37 - 48
Last UpdatedMay 22, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
New Vehicles Loan
5.90%
84 Months
▼
APR5.90%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
New Auto Loan
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 22, 2026
Details
Minimum $25,000 loan amount
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD, 20774
New/Used Car or Truck Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
Up to 135% of Car Value (Minimum $15,000)
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
New Vehicles - 72 Months Loan
6.04%
72 Months
▼
APR6.04%
Term72 Months
Last UpdatedJun 3, 2026
Details
APR as low as
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business New Auto Loan
6.09%
49 - 60
▼
APR6.09%
Term49 - 60
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business New Vehicle Loan
6.09%
49 - 60
▼
APR6.09%
Term49 - 60
Last UpdatedMay 22, 2026
Details
As Low As
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
Commercial New Vehicle
6.19%
1 to 36
▼
APR6.19%
Term1 to 36
Last UpdatedMay 20, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
New Auto
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
New Auto Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 17, 2026
Details
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
30 N Hickory Ave, Bel Air, MD, 21014 3249
Commercial New Vehicle
6.29%
37 to 48
▼
APR6.29%
Term37 to 48
Last UpdatedMay 20, 2026
Details
Powered by
MonitorBankRates
Maryland Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
2.49%
0-48
▼
APR2.49%
Term0-48
Last UpdatedMay 29, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
2.99%
0-48
▼
APR2.99%
Term0-48
Last UpdatedMay 29, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
3.24%
49-60
▼
APR3.24%
Term49-60
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 24 Months
3.29%
24 Months
▼
APR3.29%
Term24 Months
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 36 Months
3.29%
36 Months
▼
APR3.29%
Term36 Months
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 48 Months
3.29%
48 Months
▼
APR3.29%
Term48 Months
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 60 Months
3.29%
60 Months
▼
APR3.29%
Term60 Months
Last UpdatedMay 20, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
3.49%
61-72
▼
APR3.49%
Term61-72
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
3.74%
49-60
▼
APR3.74%
Term49-60
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) Auto 0-48 months (up to 110%)
3.99%
48 month
▼
APR3.99%
Term48 month
Last UpdatedMay 22, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Used Car & Truck Refinance Loan
4.19%
1-36
▼
APR4.19%
Term1-36
Last UpdatedMay 17, 2026
Details
As Low As; Automated Payments APR
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20993
New & Used Vehicles Loan
4.20%
2-3 Years
▼
APR4.20%
Term2-3 Years
Last UpdatedMay 21, 2026
Details
Rates are subject to change and based on creditworthiness. Other rates may apply.
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) 49-60 months (up to 110%)
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
4.24%
73-84
▼
APR4.24%
Term73-84
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD, 20774
New/Used Car or Truck Loan
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 29, 2026
Details
Up to 135% of Car Value
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
Used Cars and Trucks Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
19638 Leitersburg Pike, Hagerstown, MD, 21742
New/Used Vehicle Loan
4.25%
5 Months
▼
APR4.25%
Term5 Months
Last UpdatedMay 29, 2026
Details
As Low As
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20993
New & Used Vehicles Loan
4.40%
4 Years
▼
APR4.40%
Term4 Years
Last UpdatedMay 21, 2026
Details
Rates are subject to change and based on creditworthiness. Other rates may apply.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Used Car & Truck Refinance Loan
4.44%
37-51
▼
APR4.44%
Term37-51
Last UpdatedMay 17, 2026
Details
As Low As; Automated Payments APR
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 72 Months
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20993
New & Used Vehicles Loan
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedMay 21, 2026
Details
Rates are subject to change and based on creditworthiness. Other rates may apply.
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Used Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD, 20774
New/Used Car or Truck Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
Up to 135% of Car Value
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
Used Auto Loan
4.60%
36 months
▼
APR4.60%
Term36 months
Last UpdatedJun 3, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Used Car & Truck Refinance Loan
4.69%
52-63
▼
APR4.69%
Term52-63
Last UpdatedMay 17, 2026
Details
As Low As; Automated Payments APR
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD, 20653
Pre-owned Auto
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
4.74%
73-84
▼
APR4.74%
Term73-84
Last UpdatedMay 29, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
Used Cars and Trucks Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
Used Vehicles Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD, 21090 2342
Used Auto
4.79%
36 Month
▼
APR4.79%
Term36 Month
Last UpdatedMay 31, 2026
Details
Used Auto or Truck Purchase/Refinance
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
Used Auto Loan
4.94%
48 months
▼
APR4.94%
Term48 months
Last UpdatedJun 3, 2026
Details
As Low As
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 84 Months
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 20, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) 61-72 months (up to 110%)
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 22, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
Used Auto (20-23) (up to 110%)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As
Prince Georges Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
15201 Hall RD, Bowie, MD, 20721
New and Used Auto
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD, 20874 2627
New/Used Auto Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
900 Caton Ave, Baltimore, MD, 21229
Used Car Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 17, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD, 20706 4321
Used Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
Used Auto Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedJun 3, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Used Car & Truck Refinance Loan
5.09%
64-75
▼
APR5.09%
Term64-75
Last UpdatedMay 17, 2026
Details
As Low As; Automated Payments APR
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD, 20747
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
Used Vehicles Loan
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) 73-84 months
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
Used Auto (20-23) (up to 110%)
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - Used Auto Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Used Auto
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Prince Georges Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
15201 Hall RD, Bowie, MD, 20721
New and Used Auto
5.24%
37 - 72 Months
▼
APR5.24%
Term37 - 72 Months
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD, 20874 2627
New/Used Auto Loan
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
900 Caton Ave, Baltimore, MD, 21229
Used Car Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Central Credit Union of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
8501 La Salle Rd, Baltimore, MD, 21286 5914
New or Used Car / Truck Loan
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As; 12-84 Months available
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
Used Cars and Trucks Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Used Auto Loan
5.34%
1 - 36
▼
APR5.34%
Term1 - 36
Last UpdatedMay 22, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20993
New & Used Vehicles Loan
5.49%
6 Years
▼
APR5.49%
Term6 Years
Last UpdatedMay 21, 2026
Details
Rates are subject to change and based on creditworthiness. Other rates may apply.
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
4003 Branch Ave, Temple Hills, MD, 20748
NEW and USED Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As; APR= Annual Percentage Rate. The APR listed is the lowest available rate for the term. Rates, terms, and conditions are subject to change and vary based on creditworthiness, income, and other qualifications. Not all members will qualify. Discounts may be available. The lowest rate available, including with discounts is 5.49% APR. Payment example: 36 monthly payments of $31.10 per $1,000.00 borrowed at 7.49% APR. At no time can the discounted loan rate be lower than the credit union's designated floor rate.
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - Used Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD, 20874 2627
New/Used Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Used Auto Loan
5.49%
37 - 48
▼
APR5.49%
Term37 - 48
Last UpdatedMay 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto APR1 Classic Vehicle Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD, 20747
Used Auto Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
Used Vehicles - 36 Months Loan
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedJun 3, 2026
Details
APR as low as
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD, 20653
Pre-owned Auto
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
Prince Georges Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
15201 Hall RD, Bowie, MD, 20721
New and Used Auto
5.74%
73 - 84 Months
▼
APR5.74%
Term73 - 84 Months
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD, 20874 2627
New/Used Auto Loan
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD, 20774
New/Used Car or Truck Loan
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMay 29, 2026
Details
Up to 135% of Car Value
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto APR1 Classic Vehicle Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
Used Vehicles Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD, 20747
Used Same as New Auto Loan
5.80%
78 Months
▼
APR5.80%
Term78 Months
Last UpdatedMay 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
Used Vehicles - 60 Months Loan
5.94%
60 Months
▼
APR5.94%
Term60 Months
Last UpdatedJun 3, 2026
Details
APR as low as
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD, 21001 1733
Used Car & Truck Refinance Loan
5.99%
76-84
▼
APR5.99%
Term76-84
Last UpdatedMay 17, 2026
Details
As Low As; Automated Payments APR
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
Used Auto (20-23) (up to 110%)
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Drive4Less - Used Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Used Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
900 Caton Ave, Baltimore, MD, 21229
Used Car Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD, 20774
New/Used Car or Truck Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
Up to 135% of Car Value (Minimum $15,000)
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto APR1 Classic Vehicle Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 17, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
Used Vehicles Loan
6.05%
72 Months
▼
APR6.05%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business Used Auto Loan
6.09%
1 - 36
▼
APR6.09%
Term1 - 36
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD, 20874
Business Used Vehicle Loan
6.09%
1 - 36
▼
APR6.09%
Term1 - 36
Last UpdatedMay 22, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD, 20746
Used Auto Loan
6.20%
72 months*
▼
APR6.20%
Term72 months*
Last UpdatedJun 3, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
122 W Union St, Cumberland, MD, 21502
Used Auto (22-23) (up to 110%)
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD, 21228
Auto Loans - New or Used/Purchase or Refinance
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD, 20707
Used Cars and Trucks Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto APR1 Classic Vehicle Loans
6.25%
120 Months
▼
APR6.25%
Term120 Months
Last UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD, 20854 3266
Used Auto Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 17, 2026
Details
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MonitorBankRates
Maryland Auto Loan Rate Trends
Compare local Maryland auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — MD Avg
5.244%
▼ 0.048 vs 7 days ago
Maryland new auto rates fell 0.048 points over the past 7 days to 5.244% APR.
Used Auto Loan — MD Avg
6.319%
▼ 0.039 vs 7 days ago
Maryland used auto rates fell 0.039 points over the past 7 days to 6.319% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Maryland auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Maryland directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Maryland. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MD.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Maryland
How does my credit score affect my car loan rate in Maryland?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Maryland with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Maryland *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Maryland typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Maryland?
Based on our current data, some of the lowest auto loan rates available in Maryland include:
- WEPCO Federal Credit Union: 2.49% (New or Used Vehicle Loans)
- POCU of Maryland: 3.09% (New Car 24 Months)
- Baxter Credit Union: 3.24% (Auto Loans)
- Cedar Point Federal Credit Union: 3.49% (New Auto)
- Market USA Federal Credit Union: 3.49% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Maryland. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 3, 2026
Auto Loan Rates by City in Maryland
Rate Assistant
MonitorBankRates.com · Live Data
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