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PenFed Credit Union auto loan rates

Open membership credit union with competitive APRs.

Visit PenFed Credit Union Calculate payment
From APR
5.49%
Best advertised rate
Min credit
650+
FICO score
Loan amount
$500+
Up to $150,000
Loan terms
36–84
Months

Today's PenFed Credit Union rates by loan type

Rates shown are the best advertised APRs as of May 1, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 60 mo 5.49% Compare →
Used car 60 mo 5.79% Compare →
Refinance 60 mo 5.49% Compare →
Lease buyout 60 mo 5.69% Compare →

Pros

  • Anyone can join
  • Car-buying service rebate
  • Strong used-car APRs

Cons

  • Membership required
  • Not all dealers integrated
  • Slower funding than online lenders

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