Auto Loans · Silver Spring, Maryland
2 credit unions in Silver Spring report car loan rates to the NCUA. Rates range from 4.00% to 4.49%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.00%
Lowest New Car Rate
4.25%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HEMA ★ 5.0 · 4 reviews | 4.00% | 6.00% |
| 2 | FEDFINANCIAL ★ 4.1 · 64 reviews | 4.49% | 4.49% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FEDFINANCIAL ★ 4.1 · 64 reviews | 4.49% | 4.49% |
| 2 | HEMA ★ 5.0 · 4 reviews | 6.00% | 4.00% |
A pre-approval from a Silver Spring 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 Silver Spring in the same window and take the best offer.
See member reviews, branch locations, and full rate details.