Auto Loans · Maryland
58 credit unions in Maryland report car loan rates to the NCUA. Rates range from 1.74% to 9.80%.
Updated Q1 2026 · NCUA Call Report data
58
CUs Reporting Rates
1.74%
Lowest New Car Rate
5.16%
State Average Rate
43
Cities Covered
58 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SIGNAL FINANCIAL Kensington | 1.74% | 2.24% |
| 2 | POST OFFICE CU OF MD, INC. Baltimore | 2.99% | 2.99% |
| 3 | MNCPPC College Park | 3.33% | 3.95% |
| 4 | WASHINGTON COUNTY TEACHERS HAGERSTOWN | 3.75% | 3.75% |
| 5 | ANDREWS FEDERAL CREDIT UNION Suitland | 3.89% | 4.40% |
| 6 | CENSUS SUITLAND | 3.95% | 4.45% |
| 7 | APL Laurel | 3.99% | 3.99% |
| 8 | NONE SUFFER LACK SUITLAND | 3.99% | 3.99% |
| 9 | NATIONAL INSTITUTES OF HEALTH Rockville | 3.99% | 4.24% |
| 10 | HEMA SILVER SPRING | 4.00% | 6.00% |
| 11 | CAPITAL AREA TAIWANESE Rockville | 4.00% | 5.50% |
| 12 | CENTRAL CREDIT UNION OF MARYLAND,IN Baltimore | 4.03% | 5.06% |
| 13 | FERKO MD Frederick | 4.08% | 6.50% |
| 14 | FEDCHOICE Lanham | 4.11% | 5.66% |
| 15 | KOREAN CATHOLIC Olney | 4.12% | 3.95% |
| 16 | CAPITAL AREA REALTORS Rockville | 4.29% | 6.24% |
| 17 | CEDAR POINT LEXINGTON PARK | 4.49% | 4.74% |
| 18 | FEDFINANCIAL Silver Spring | 4.49% | 4.49% |
| 19 | MASTERS, MATES & PILOTS (MM&P) Linthicum | 4.64% | 5.26% |
| 20 | THIOKOL ELKTON Elkton | 4.74% | 5.24% |
| 21 | MARKET USA LAUREL | 4.74% | 9.24% |
| 22 | TOWER LAUREL | 4.74% | 4.74% |
| 23 | PEAKE Towson | 4.90% | 4.90% |
| 24 | SKYPOINT GERMANTOWN | 4.99% | 5.49% |
| 25 | FIRST PEOPLES COMMUNITY CUMBERLAND | 4.99% | 4.99% |
| 26 | SECURITYPLUS Baltimore | 4.99% | 5.49% |
| 27 | LM BALTIMORE | 4.99% | 5.24% |
| 28 | MUNICIPAL EMPL.CREDIT UNION OF BALT BALTIMORE | 4.99% | 5.74% |
| 29 | I B E W 26 LANHAM | 5.00% | 5.00% |
| 30 | FIVE STAR OF MARYLAND BALTIMORE | 5.07% | 6.76% |
| 31 | POLICE UPPER MARLBORO | 5.10% | 6.21% |
| 32 | DESTINATIONS CREDIT UNION BALTIMORE | 5.24% | 2.49% |
| 33 | POINT BREEZE Hunt Valley | 5.24% | 5.24% |
| 34 | U S POSTAL SERVICE CLINTON | 5.26% | 5.93% |
| 35 | STATE EMPLOYEES CU OF MARYLAND, INC LINTHICUM | 5.39% | 5.64% |
| 36 | PRINCE GEORGE'S COMMUNITY Bowie | 5.42% | 6.30% |
| 37 | NASA Upper Marlboro | 5.44% | 9.99% |
| 38 | EDUCATIONAL SYSTEMS Greenbelt | 5.44% | 5.74% |
| 39 | BULL DOG HAGERSTOWN | 5.46% | 5.78% |
| 40 | JOHNS HOPKINS Baltimore | 5.47% | 5.97% |
| 41 | CHESSIE CUMBERLAND | 5.49% | 6.49% |
| 42 | MID-ATLANTIC Germantown | 5.49% | 5.49% |
| 43 | FIRST EAGLE Owings Mills | 5.49% | 5.74% |
| 44 | ABERDEEN PROVING GROUND ABERDEEN | 5.54% | 6.19% |
| 45 | WEPCO BLOOMINGTON | 5.66% | 6.40% |
| 46 | HAR-CO BEL AIR | 5.69% | 6.44% |
| 47 | FIRST FINANCIAL OF MARYLAND Sparks | 5.99% | 5.50% |
| 48 | LAFAYETTE ROCKVILLE | 6.00% | 6.25% |
| 49 | MONEY ONE LARGO | 6.05% | 8.48% |
| 50 | ACT 1ST LaVale | 6.22% | 7.80% |
| 51 | TRANSIT EMPLOYEES Greenbelt | 6.49% | 7.49% |
| 52 | HOWARD COUNTY EDUCATION Ellicott City | 6.49% | 6.49% |
| 53 | W S S C Laurel | 6.75% | 7.24% |
| 54 | LOCAL 355 MD BALTIMORE | 7.00% | 7.00% |
| 55 | NYMEO FREDERICK | 7.24% | 7.49% |
| 56 | FREEDOM OF MARYLAND Bel Air | 7.84% | 7.09% |
| 57 | MVP POSTAL AND PRINTING GAITHERSBURG | 8.49% | 9.49% |
| 58 | BEE SALISBURY | 9.80% | 6.78% |
58 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SIGNAL FINANCIAL Kensington | 2.24% | 1.74% |
| 2 | DESTINATIONS CREDIT UNION BALTIMORE | 2.49% | 5.24% |
| 3 | POST OFFICE CU OF MD, INC. Baltimore | 2.99% | 2.99% |
| 4 | WASHINGTON COUNTY TEACHERS HAGERSTOWN | 3.75% | 3.75% |
| 5 | MNCPPC College Park | 3.95% | 3.33% |
| 6 | KOREAN CATHOLIC Olney | 3.95% | 4.12% |
| 7 | APL Laurel | 3.99% | 3.99% |
| 8 | NONE SUFFER LACK SUITLAND | 3.99% | 3.99% |
| 9 | NATIONAL INSTITUTES OF HEALTH Rockville | 4.24% | 3.99% |
| 10 | ANDREWS FEDERAL CREDIT UNION Suitland | 4.40% | 3.89% |
| 11 | CENSUS SUITLAND | 4.45% | 3.95% |
| 12 | FEDFINANCIAL Silver Spring | 4.49% | 4.49% |
| 13 | CEDAR POINT LEXINGTON PARK | 4.74% | 4.49% |
| 14 | TOWER LAUREL | 4.74% | 4.74% |
| 15 | PEAKE Towson | 4.90% | 4.90% |
| 16 | FIRST PEOPLES COMMUNITY CUMBERLAND | 4.99% | 4.99% |
| 17 | I B E W 26 LANHAM | 5.00% | 5.00% |
| 18 | CENTRAL CREDIT UNION OF MARYLAND,IN Baltimore | 5.06% | 4.03% |
| 19 | THIOKOL ELKTON Elkton | 5.24% | 4.74% |
| 20 | LM BALTIMORE | 5.24% | 4.99% |
| 21 | POINT BREEZE Hunt Valley | 5.24% | 5.24% |
| 22 | MASTERS, MATES & PILOTS (MM&P) Linthicum | 5.26% | 4.64% |
| 23 | SKYPOINT GERMANTOWN | 5.49% | 4.99% |
| 24 | SECURITYPLUS Baltimore | 5.49% | 4.99% |
| 25 | MID-ATLANTIC Germantown | 5.49% | 5.49% |
| 26 | CAPITAL AREA TAIWANESE Rockville | 5.50% | 4.00% |
| 27 | FIRST FINANCIAL OF MARYLAND Sparks | 5.50% | 5.99% |
| 28 | STATE EMPLOYEES CU OF MARYLAND, INC LINTHICUM | 5.64% | 5.39% |
| 29 | FEDCHOICE Lanham | 5.66% | 4.11% |
| 30 | MUNICIPAL EMPL.CREDIT UNION OF BALT BALTIMORE | 5.74% | 4.99% |
| 31 | EDUCATIONAL SYSTEMS Greenbelt | 5.74% | 5.44% |
| 32 | FIRST EAGLE Owings Mills | 5.74% | 5.49% |
| 33 | BULL DOG HAGERSTOWN | 5.78% | 5.46% |
| 34 | U S POSTAL SERVICE CLINTON | 5.93% | 5.26% |
| 35 | JOHNS HOPKINS Baltimore | 5.97% | 5.47% |
| 36 | HEMA SILVER SPRING | 6.00% | 4.00% |
| 37 | ABERDEEN PROVING GROUND ABERDEEN | 6.19% | 5.54% |
| 38 | POLICE UPPER MARLBORO | 6.21% | 5.10% |
| 39 | CAPITAL AREA REALTORS Rockville | 6.24% | 4.29% |
| 40 | LAFAYETTE ROCKVILLE | 6.25% | 6.00% |
| 41 | PRINCE GEORGE'S COMMUNITY Bowie | 6.30% | 5.42% |
| 42 | WEPCO BLOOMINGTON | 6.40% | 5.66% |
| 43 | HAR-CO BEL AIR | 6.44% | 5.69% |
| 44 | CHESSIE CUMBERLAND | 6.49% | 5.49% |
| 45 | HOWARD COUNTY EDUCATION Ellicott City | 6.49% | 6.49% |
| 46 | FERKO MD Frederick | 6.50% | 4.08% |
| 47 | FIVE STAR OF MARYLAND BALTIMORE | 6.76% | 5.07% |
| 48 | BEE SALISBURY | 6.78% | 9.80% |
| 49 | LOCAL 355 MD BALTIMORE | 7.00% | 7.00% |
| 50 | FREEDOM OF MARYLAND Bel Air | 7.09% | 7.84% |
| 51 | W S S C Laurel | 7.24% | 6.75% |
| 52 | TRANSIT EMPLOYEES Greenbelt | 7.49% | 6.49% |
| 53 | NYMEO FREDERICK | 7.49% | 7.24% |
| 54 | ACT 1ST LaVale | 7.80% | 6.22% |
| 55 | MONEY ONE LARGO | 8.48% | 6.05% |
| 56 | MARKET USA LAUREL | 9.24% | 4.74% |
| 57 | MVP POSTAL AND PRINTING GAITHERSBURG | 9.49% | 8.49% |
| 58 | NASA Upper Marlboro | 9.99% | 5.44% |
Most community credit unions in Maryland accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.