Auto Loan Rates in Silver Spring, Maryland (MD) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Silver Spring, Maryland. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Silver Spring, Maryland include FedFinancial Federal Credit UnionFedFinancial Federal Credit Union10903 New Hampshire Ave, Silver Spring, MD, 20993A+5.0 ★Texas Ratio: 1.98% offering New & Used Vehicles Loan at 4.20%, State Employees Credit UnionState Employees Credit Union8737 Colesville Rd, Silver Spring, MD, 20910 3928A+5.0 ★Texas Ratio: 5.02% offering New Auto at 4.54%, SkyPoint Federal Credit UnionSkyPoint Federal Credit Union8380 Colesville Rd Ste 201, Silver Spring, MD, 20910A5.0 ★Texas Ratio: 10.48% offering New Auto Loan at 4.84%, Mid-Atlantic Federal Credit UnionMid-Atlantic Federal Credit Union10157 New Hampshire Ave, Silver Spring, MD, 20903A5.0 ★Texas Ratio: 6.48% offering New/Used Auto Loan at 4.99%, Department of Commerce FCUDepartment of Commerce FCU1325 E West HWY, silver spring, MD, 20910A+5.0 ★Texas Ratio: 12.49% offering New Vehicles - 36 Months Loan at 5.24%. Auto loan rates as of June 3, 2026 according to verified data from MonitorBankRates.
Silver Spring has 5 local institutions in our database, with auto loan rates as low as 4.20% APR from FedFinancial Federal Credit Union at 10903 New Hampshire Ave, Silver Spring, MD, 20993. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Silver Spring, Maryland. Auto Loan Rates Last Updated and Verified: June 3, 2026
Compare Auto Loan Rates Today in Silver Spring, Maryland & Surrounding Area
Silver Spring Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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.
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.
State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
8737 Colesville Rd, Silver Spring, MD, 20910 3928
New Auto
4.54%
36 Month
▼
APR4.54%
Term36 Month
Last UpdatedMay 31, 2026
Details
New Auto or Truck Purchase/Refinance
State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
8737 Colesville Rd, Silver Spring, MD, 20910 3928
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
New Auto Loan
4.84%
1 - 36
▼
APR4.84%
Term1 - 36
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
New Auto Loan
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
New/Used Auto Loan
5.24%
48 months
▼
APR5.24%
Term48 months
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 - 36 Months Loan
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedJun 3, 2026
Details
APR as low as
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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.
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Used Auto Loan
5.49%
37 - 48
▼
APR5.49%
Term37 - 48
Last UpdatedMay 22, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
New/Used Auto Loan
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business New Vehicle Loan
5.84%
37 - 48
▼
APR5.84%
Term37 - 48
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
Used Vehicles - 60 Months Loan
5.94%
60 Months
▼
APR5.94%
Term60 Months
Last UpdatedJun 3, 2026
Details
APR as low as
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
New Auto Loan
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 22, 2026
Details
Minimum $25,000 loan amount
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Vehicle 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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business New Auto Loan
6.34%
61 - 72
▼
APR6.34%
Term61 - 72
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $25,000 loan amount
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business New Vehicle Loan
6.34%
61 - 72
▼
APR6.34%
Term61 - 72
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $25,000 loan amount
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Auto Loan
6.34%
37 - 48
▼
APR6.34%
Term37 - 48
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Vehicle Loan
6.34%
37 - 48
▼
APR6.34%
Term37 - 48
Last UpdatedMay 22, 2026
Details
As Low As
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
New Auto Loan (New Car Only)
6.49%
96 months
▼
APR6.49%
Term96 months
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Used Auto Loan
6.49%
73 - 84
▼
APR6.49%
Term73 - 84
Last UpdatedMay 22, 2026
Details
Minimum $25,000 loan amount
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
Used Vehicles - 72 Months Loan
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedJun 3, 2026
Details
APR as low as
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Auto Loan
6.59%
49 - 60
▼
APR6.59%
Term49 - 60
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Vehicle Loan
6.59%
49 - 60
▼
APR6.59%
Term49 - 60
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business New Auto Loan
6.84%
73 - 84
▼
APR6.84%
Term73 - 84
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $30,000 loan amount
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business New Vehicle Loan
6.84%
73 - 84
▼
APR6.84%
Term73 - 84
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $30,000 loan amount
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Auto Loan
6.84%
61 - 72
▼
APR6.84%
Term61 - 72
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $25,000 loan amount
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Vehicle Loan
6.84%
61 - 72
▼
APR6.84%
Term61 - 72
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $25,000 loan amount
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
New Vehicles - 84 Months Loan
7.04%
84 Months
▼
APR7.04%
Term84 Months
Last UpdatedJun 3, 2026
Details
APR as low as
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Auto Loan
7.34%
73 - 84
▼
APR7.34%
Term73 - 84
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $30,000 loan amount
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Vehicle Loan
7.34%
73 - 84
▼
APR7.34%
Term73 - 84
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $30,000 loan amount
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
Used Vehicles - 84 Months Loan
7.34%
84 Months
▼
APR7.34%
Term84 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
New Vehicles - 96 Months Loan
9.04%
96 Months
▼
APR9.04%
Term96 Months
Last UpdatedJun 3, 2026
Details
APR as low as
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Car & Truck Refinance Loan
4.19%
1-36
▼
APR4.19%
Term1-36
Last UpdatedMay 17, 2026
Details
As Low As; Automated Payments APR
APR4.19%
Term1 to 36
Last UpdatedMay 20, 2026
Details
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%
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%
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%
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%
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%
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%
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%
New/Used Vehicle Loan
4.25%
5 Months
▼
APR4.25%
Term5 Months
Last UpdatedMay 29, 2026
Details
As Low As
APR4.29%
Term37 to 48
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Car 72 Months
4.29%
72 Months
▼
APR4.29%
Term72 Months
Last UpdatedMay 20, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
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%
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%
Used Car 72 Months
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
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%
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%
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%
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%
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%
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%
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%
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%
New Vehicles Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
APR4.54%
Term49 to 66
Last UpdatedMay 20, 2026
Details
APR4.55%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Vehicles Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
APR4.75%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
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%
2024 Car Loans
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
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%
2026 Car Loans
4.89%
36 Months
▼
APR4.89%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
APR4.94%
Term67 to 78
Last UpdatedMay 20, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
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%
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%
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%
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%
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%
New and Used Auto
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMay 22, 2026
Details
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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
APR5.10%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As
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%
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%
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%
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%
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%
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%
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%
New and Used Auto
5.24%
37 - 72 Months
▼
APR5.24%
Term37 - 72 Months
Last UpdatedMay 22, 2026
Details
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
2025 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%
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%
2026 Car Loans
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedMay 22, 2026
Details
As Low As
APR5.40%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
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%
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%
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%
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%
Used Auto
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
2024 Car Loans
5.59%
75 Months
▼
APR5.59%
Term75 Months
Last UpdatedMay 22, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
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%
2026 Car Loans
5.69%
75 Months
▼
APR5.69%
Term75 Months
Last UpdatedMay 22, 2026
Details
As Low As
APR5.74%
Term79 to 87
Last UpdatedMay 20, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
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%
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%
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%
New and Used Auto
5.74%
73 - 84 Months
▼
APR5.74%
Term73 - 84 Months
Last UpdatedMay 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
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%
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%
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%
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%
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%
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%
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%
New Vehicles Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
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%
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%
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%
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
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2020-2021 Car Loans
5.89%
36 Months
▼
APR5.89%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
APR5.90%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
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%
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%
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%
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%
Drive4Less - Used Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Silver Spring New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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.
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.
State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
8737 Colesville Rd, Silver Spring, MD, 20910 3928
New Auto
4.54%
36 Month
▼
APR4.54%
Term36 Month
Last UpdatedMay 31, 2026
Details
New Auto or Truck Purchase/Refinance
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
New Auto Loan
4.84%
1 - 36
▼
APR4.84%
Term1 - 36
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
New Auto Loan
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
New/Used Auto Loan
5.24%
48 months
▼
APR5.24%
Term48 months
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 - 36 Months Loan
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedJun 3, 2026
Details
APR 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.
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
New/Used Auto Loan
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business New Vehicle 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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
New Auto Loan
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 22, 2026
Details
Minimum $25,000 loan amount
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business New Auto Loan
6.34%
61 - 72
▼
APR6.34%
Term61 - 72
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $25,000 loan amount
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business New Vehicle Loan
6.34%
61 - 72
▼
APR6.34%
Term61 - 72
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $25,000 loan amount
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
New Auto Loan (New Car Only)
6.49%
96 months
▼
APR6.49%
Term96 months
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business New Auto Loan
6.84%
73 - 84
▼
APR6.84%
Term73 - 84
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $30,000 loan amount
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business New Vehicle Loan
6.84%
73 - 84
▼
APR6.84%
Term73 - 84
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $30,000 loan amount
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
New Vehicles - 84 Months Loan
7.04%
84 Months
▼
APR7.04%
Term84 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
New Vehicles - 96 Months Loan
9.04%
96 Months
▼
APR9.04%
Term96 Months
Last UpdatedJun 3, 2026
Details
APR as low as
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 3, 2026
Details
As Low As
APR4.19%
Term1 to 36
Last UpdatedMay 20, 2026
Details
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%
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%
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%
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%
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%
New/Used Vehicle Loan
4.25%
5 Months
▼
APR4.25%
Term5 Months
Last UpdatedMay 29, 2026
Details
As Low As
APR4.29%
Term37 to 48
Last UpdatedMay 20, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Car 72 Months
4.29%
72 Months
▼
APR4.29%
Term72 Months
Last UpdatedMay 20, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
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%
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%
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%
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%
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%
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%
New Vehicles Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
APR4.54%
Term49 to 66
Last UpdatedMay 20, 2026
Details
APR4.55%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
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%
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%
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%
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%
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%
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%
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%
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%
New Car 84 Months
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 20, 2026
Details
APR4.94%
Term67 to 78
Last UpdatedMay 20, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
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%
New and Used Auto
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMay 22, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
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%
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%
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%
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
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%
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%
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%
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%
New and Used Auto
5.24%
37 - 72 Months
▼
APR5.24%
Term37 - 72 Months
Last UpdatedMay 22, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
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%
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%
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%
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
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Auto Loans - New or Used/Purchase or Refinance
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
APR5.40%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
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%
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.
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
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%
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%
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%
New Auto Loan
5.52%
72 months*
▼
APR5.52%
Term72 months*
Last UpdatedJun 3, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
5.67%
84 months**
▼
APR5.67%
Term84 months**
Last UpdatedJun 3, 2026
Details
As Low As
APR5.74%
Term79 to 87
Last UpdatedMay 20, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
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%
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%
New and Used Auto
5.74%
73 - 84 Months
▼
APR5.74%
Term73 - 84 Months
Last UpdatedMay 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
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%
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%
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%
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%
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%
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%
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
APR5.90%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As
Powered by
MonitorBankRates
Silver Spring Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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.
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.
State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
8737 Colesville Rd, Silver Spring, MD, 20910 3928
Used Auto
4.79%
36 Month
▼
APR4.79%
Term36 Month
Last UpdatedMay 31, 2026
Details
Used Auto or Truck Purchase/Refinance
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
New/Used Auto Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
New/Used Auto Loan
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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.
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Used Auto Loan
5.49%
37 - 48
▼
APR5.49%
Term37 - 48
Last UpdatedMay 22, 2026
Details
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
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
10157 New Hampshire Ave, Silver Spring, MD, 20903
New/Used Auto Loan
5.74%
84 months
▼
APR5.74%
Term84 months
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
Used Vehicles - 60 Months Loan
5.94%
60 Months
▼
APR5.94%
Term60 Months
Last UpdatedJun 3, 2026
Details
APR as low as
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Vehicle 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%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Auto Loan
6.34%
37 - 48
▼
APR6.34%
Term37 - 48
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Vehicle Loan
6.34%
37 - 48
▼
APR6.34%
Term37 - 48
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Used Auto Loan
6.49%
73 - 84
▼
APR6.49%
Term73 - 84
Last UpdatedMay 22, 2026
Details
Minimum $25,000 loan amount
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
Used Vehicles - 72 Months Loan
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedJun 3, 2026
Details
APR as low as
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Auto Loan
6.59%
49 - 60
▼
APR6.59%
Term49 - 60
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Vehicle Loan
6.59%
49 - 60
▼
APR6.59%
Term49 - 60
Last UpdatedMay 22, 2026
Details
As Low As
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Auto Loan
6.84%
61 - 72
▼
APR6.84%
Term61 - 72
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $25,000 loan amount
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Vehicle Loan
6.84%
61 - 72
▼
APR6.84%
Term61 - 72
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $25,000 loan amount
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Auto Loan
7.34%
73 - 84
▼
APR7.34%
Term73 - 84
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $30,000 loan amount
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
8380 Colesville Rd Ste 201, Silver Spring, MD, 20910
Business Used Vehicle Loan
7.34%
73 - 84
▼
APR7.34%
Term73 - 84
Last UpdatedMay 22, 2026
Details
As Low As; Minimum $30,000 loan amount
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD, 20910
Used Vehicles - 84 Months Loan
7.34%
84 Months
▼
APR7.34%
Term84 Months
Last UpdatedJun 3, 2026
Details
APR as low as
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Car & Truck Refinance Loan
4.19%
1-36
▼
APR4.19%
Term1-36
Last UpdatedMay 17, 2026
Details
As Low As; Automated Payments APR
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
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%
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%
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%
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%
New/Used Vehicle Loan
4.25%
5 Months
▼
APR4.25%
Term5 Months
Last UpdatedMay 29, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
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%
Used Car 72 Months
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Cars and Trucks Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
APR4.75%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
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%
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%
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%
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%
New and Used Auto
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMay 22, 2026
Details
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
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%
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%
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%
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%
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%
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%
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
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%
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%
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%
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%
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%
New and Used Auto
5.24%
37 - 72 Months
▼
APR5.24%
Term37 - 72 Months
Last UpdatedMay 22, 2026
Details
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
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%
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%
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%
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%
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%
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%
Auto Loans - New or Used/Purchase or Refinance
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
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%
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%
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
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%
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%
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%
Auto Loans - New or Used/Purchase or Refinance
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
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%
New and Used Auto
5.74%
73 - 84 Months
▼
APR5.74%
Term73 - 84 Months
Last UpdatedMay 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
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%
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%
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%
Used Auto APR1 Classic Vehicle Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
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%
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
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
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%
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%
Drive4Less - Used Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
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MonitorBankRates
Silver Spring, MD Auto Loan Rate Trends
Compare local Silver Spring, MD 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 Silver Spring, 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 Silver Spring, 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 Silver Spring, 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 Silver Spring, 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 Silver Spring, 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 Silver Spring, 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 Silver Spring, Maryland?
Based on our current data, some of the lowest auto loan rates available in Silver Spring, Maryland include:
- FedFinancial Federal Credit Union: 4.20% (New & Used Vehicles Loan)
- State Employees Credit Union: 4.54% (New Auto)
- SkyPoint Federal Credit Union: 4.84% (New Auto Loan)
- Mid-Atlantic Federal Credit Union: 4.99% (New/Used Auto Loan)
- Department of Commerce FCU: 5.24% (New Vehicles - 36 Months Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Silver Spring, Maryland. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 3, 2026
Silver Spring, Maryland Rates & Resources
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