Auto Loans · Pennsylvania
260 credit unions in Pennsylvania report car loan rates to the NCUA. Rates range from 2.44% to 10.84%.
Updated Q1 2026 · NCUA Call Report data
260
CUs Reporting Rates
2.44%
Lowest New Car Rate
5.36%
State Average Rate
183
Cities Covered
260 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | PINPOINT MILTON | 2.44% | 7.30% |
| 2 | FORT LIGONIER JEROME | 3.22% | 4.12% |
| 3 | CORNER POST Wilkes Barre | 3.50% | 3.75% |
| 4 | IRON WORKERS Pittsburgh | 3.55% | 8.68% |
| 5 | CMC-FCPI EMPLOYEES Scranton | 3.57% | 3.83% |
| 6 | E R R L WYNDMOOR | 3.63% | 4.89% |
| 7 | EVERENCE Lancaster | 3.65% | 6.67% |
| 8 | PHILADELPHIA Philadelphia | 3.77% | 4.25% |
| 9 | ACBA FED CREDIT UNION (3226) Pittsburgh | 3.80% | 4.55% |
| 10 | WESTMORELAND WATER Greensburg | 3.85% | 5.95% |
| 11 | U.F.C.W. LOCAL 23 Canonsburg | 3.90% | 4.90% |
| 12 | PAR-DEL EMP. WYOMING | 3.90% | 4.90% |
| 13 | TRI STATE RAIL ERIE | 3.90% | 4.49% |
| 14 | U F C W LOCAL 1776 PLYMOUTH MEETIN | 3.99% | 4.99% |
| 15 | APCI Lehigh Valley | 3.99% | 3.99% |
| 16 | ALTOONA AREA EMPLOYEES ALTOONA | 3.99% | 3.99% |
| 17 | FREEDOM WARMINSTER | 3.99% | 4.49% |
| 18 | STANWOOD AREA New Stanton | 3.99% | 6.25% |
| 19 | LANCASTER RED ROSE Leola | 4.00% | 4.75% |
| 20 | ARMSTRONG CO. FEDERAL EMP. KITTANNING | 4.00% | 5.00% |
| 21 | FAYETTE FEDERAL EMPLOYEES UNIONTOWN | 4.00% | 5.00% |
| 22 | PRR SOUTH FORK South Fork | 4.03% | 5.87% |
| 23 | BUTLER COUNTY TEACHERS Butler | 4.07% | 5.41% |
| 24 | UNIVERSITY OF PENNSYLVANIA STUDENTS Philadelphia | 4.08% | 4.07% |
| 25 | URE East Pittsburgh | 4.14% | 6.08% |
| 26 | B I Sewickley | 4.16% | 5.12% |
| 27 | WABELLCO Washington | 4.18% | 6.13% |
| 28 | MERHO JOHNSTOWN | 4.22% | 5.71% |
| 29 | ALLEGHENY CENTRAL Dunbar | 4.24% | 6.24% |
| 30 | HERITAGE VALLEY York | 4.24% | 6.49% |
| 31 | FIRST CHOICE New Castle | 4.24% | 4.74% |
| 32 | NORTHAMPTON AREA SCHOOL DIST. EMPS Northampton | 4.25% | 4.50% |
| 33 | MT PLEASANT AREA SCHOOL EMP MOUNT PLEASANT | 4.25% | 4.50% |
| 34 | MORRISONS COVE 1ST ROARING SPRING | 4.27% | 5.20% |
| 35 | POST GAZETTE PITTSBURGH | 4.28% | 5.71% |
| 36 | TEAM FIRST LANCASTER | 4.30% | 6.05% |
| 37 | ARMSTRONG ASSOCIATES Ford City | 4.45% | 6.90% |
| 38 | WEST BRANCH VALLEY WILLIAMSPORT | 4.49% | 4.49% |
| 39 | ALLEGHENY LUDLUM BRACKENRIDGE BRACKENRIDGE | 4.49% | 4.99% |
| 40 | PITTSBURGH CITY HALL EMPLOYEES Pittsburgh | 4.49% | 5.99% |
| 41 | FRANKLIN JOHNSTOWN JOHNSTOWN | 4.49% | 5.49% |
| 42 | LEHIGH COUNTY EMPLOYEES Allentown | 4.50% | 4.50% |
| 43 | ALCOSE White Oak | 4.50% | 5.75% |
| 44 | VASCO Latrobe | 4.50% | 5.25% |
| 45 | NEWELL Newell | 4.60% | 6.48% |
| 46 | PITTSBURGH Pittsburgh | 4.62% | 6.86% |
| 47 | DERTOWN SCHOOL Latrobe | 4.62% | 5.12% |
| 48 | PAAC TRANSIT DIVISION Pittsburgh | 4.63% | 4.82% |
| 49 | VALLEY PRIDE Kingston | 4.63% | 5.16% |
| 50 | C-B-W SCHOOLS SIDMAN | 4.65% | 4.90% |
| 51 | BELCO COMMUNITY CREDIT UNION HARRISBURG | 4.74% | 6.74% |
| 52 | PPG & ASSOCIATES Creighton | 4.74% | 5.63% |
| 53 | WEST-AIRCOMM Beaver | 4.75% | 8.24% |
| 54 | SRU Slippery Rock | 4.75% | 5.25% |
| 55 | PENN-TRAFFORD SCHOOL EMP. Trafford | 4.75% | 5.75% |
| 56 | ARMCO BUTLER | 4.75% | 5.00% |
| 57 | GALAXY Franklin | 4.75% | 5.25% |
| 58 | KENNAFORD Bedford | 4.75% | 5.75% |
| 59 | CRAYOLA LLC EMPLOYEES CREDIT UNION EASTON | 4.75% | 6.00% |
| 60 | GROVE CITY AREA GROVE CITY | 4.75% | 5.00% |
| 61 | I.B.E.W. - LOCAL NO. 5 Pittsburgh | 4.78% | 6.37% |
| 62 | RIVERFRONT Wyomissing | 4.79% | 4.79% |
| 63 | NORWIN TEACHERS North Huntingdo | 4.79% | 5.59% |
| 64 | PENLANCO Lancaster | 4.80% | 5.65% |
| 65 | GLATCO Spring Grove | 4.82% | 5.60% |
| 66 | VA PITTSBURGH EMPLOYEES Pittsburgh | 4.83% | 6.48% |
| 67 | PITTSBURGH FIREFIGHTERS' pittsburgh | 4.83% | 6.45% |
| 68 | I B E W LOCAL 56 Erie | 4.85% | 5.50% |
| 69 | ACCESS BRISTOL | 4.88% | 6.04% |
| 70 | SPOJNIA Scranton | 4.89% | 5.19% |
| 71 | VISIONARY Bridgeville | 4.89% | 6.20% |
| 72 | NORTH PENN COLMAR | 4.89% | 5.49% |
| 73 | EAST END FOOD COOPERATIVE PITTSBURGH | 4.93% | 6.07% |
| 74 | TITAN Pleasant Gap | 4.96% | 5.25% |
| 75 | USNE PENITENTIARY EMPLOYEES LEWISBURG | 4.96% | 5.59% |
| 76 | ARC Altoona | 4.97% | 5.79% |
| 77 | TIMBERLAND DUBOIS | 4.99% | 4.99% |
| 78 | EARNING TREE Wilkes Barre | 4.99% | 5.50% |
| 79 | UTILITIES EMPLOYEES READING | 4.99% | 4.99% |
| 80 | HIDDEN RIVER Pottsville | 4.99% | 4.99% |
| 81 | OMEGA Wexford | 4.99% | 4.99% |
| 82 | SERVICE 1ST Danville | 4.99% | 6.99% |
| 83 | AFFILIATED TRADES COLLEGEVILLE | 4.99% | 5.99% |
| 84 | WYOMING VALLEY EDUCATIONAL EMPL Wilkes Barre | 4.99% | 5.25% |
| 85 | VANTAGE TRUST WILKES BARRE | 4.99% | 4.99% |
| 86 | UPPER DARBY BELLTELCO UPPER DARBY | 4.99% | 4.99% |
| 87 | PENNSYLVANIA-AMERICAN WATER Bethel Park | 4.99% | 5.99% |
| 88 | AMERICAN HERITAGE Philadelphia | 4.99% | 5.34% |
| 89 | PHEPLE Greensburg | 4.99% | 4.99% |
| 90 | PENN STATE Bellefonte | 4.99% | 6.25% |
| 91 | FIRSTENERGY CHOICE GREENSBURG | 4.99% | 4.99% |
| 92 | PEOPLE FIRST Allentown | 4.99% | 5.25% |
| 93 | LEBANON LEBANON | 4.99% | 5.24% |
| 94 | ALLENTOWN Allentown | 4.99% | 4.99% |
| 95 | MERCK SHARP & DOHME CHALFONT | 4.99% | 4.99% |
| 96 | HAZLETON SCHOOL EMPLOYEES HAZLETON | 5.00% | 6.00% |
| 97 | PENNTECH EMPLOYEES Johnsonburg | 5.00% | 8.00% |
| 98 | JESSOP COMMUNITY Washington | 5.00% | 5.00% |
| 99 | GNC COMMUNITY New Castle | 5.00% | 5.00% |
| 100 | PENN Philadelphia | 5.00% | 5.99% |
| 101 | PENN HILLS MUNICIPAL Pittsburgh | 5.00% | 8.00% |
| 102 | HIGHWAY Hughestown | 5.00% | 6.50% |
| 103 | AVH natrona heights | 5.00% | 5.50% |
| 104 | COLFAX POWER PLANT EMPLOYEES SPRINGDALE | 5.00% | 7.00% |
| 105 | B. BRAUN ALLENTOWN | 5.00% | 5.49% |
| 106 | YOUR CHOICE ALTOONA | 5.00% | 6.00% |
| 107 | FRANKLIN REGIONAL SCHOOLS Jeannette | 5.00% | 6.00% |
| 108 | ERIE CITY EMPLOYEES Erie | 5.04% | 7.75% |
| 109 | FRIENDLY Aliquippa | 5.05% | 6.25% |
| 110 | LOCOMOTIVE & CONTROL EMPLOYEES Erie | 5.05% | 7.68% |
| 111 | ELLIOTT COMMUNITY JEANNETTE | 5.07% | 5.65% |
| 112 | DOW BUCKS COUNTY Bristol | 5.08% | 6.04% |
| 113 | BESSEMER SYSTEM Greenville | 5.10% | 5.61% |
| 114 | SCA NEW CASTLE | 5.11% | 6.17% |
| 115 | G.A.P. JOHNSTOWN | 5.12% | 8.09% |
| 116 | FIRST AREA Lewistown | 5.13% | 6.13% |
| 117 | ALLEG-KISKI POSTAL NEW KENSINGTON | 5.15% | 6.85% |
| 118 | ERIE POLICE Erie | 5.15% | 6.19% |
| 119 | KINZUA Warren | 5.16% | 10.46% |
| 120 | UFCW COMMUNITY Wyoming | 5.22% | 7.50% |
| 121 | AMERICHOICE Mechanicsburg | 5.24% | 5.49% |
| 122 | FIRST CAPITAL York | 5.24% | 5.49% |
| 123 | SPIRIT FINANCIAL LEVITTOWN | 5.24% | 5.49% |
| 124 | BLAIR COUNTY ALTOONA | 5.24% | 5.49% |
| 125 | PAGODA READING | 5.25% | 5.25% |
| 126 | HEALTHCARE FIRST CREDIT UNION JOHNSTOWN | 5.25% | 5.50% |
| 127 | AMERICAN PRIDE ALTOONA | 5.25% | 6.25% |
| 128 | NEW KENSINGTON MUNICIPAL New Kensington | 5.28% | 5.36% |
| 129 | CENTRAL KEYSTONE Sunbury | 5.29% | 4.99% |
| 130 | LESCO Latrobe | 5.29% | 6.73% |
| 131 | P C PORT ALLEGANY | 5.29% | 7.13% |
| 132 | A & S Aliquippa | 5.30% | 6.57% |
| 133 | CHESWICK ATOMIC DIVISION Harwick | 5.30% | 5.50% |
| 134 | LEHIGH VALLEY EDUCATORS Allentown | 5.39% | 5.39% |
| 135 | STEAMFITTERS PHILA WEST CHESTER | 5.40% | 6.40% |
| 136 | BRADFORD AREA SCHOOL EMPLOYEES Bradford | 5.45% | 10.26% |
| 137 | WILLIAMSPORT TEACHERS SOUTH WILLIAMSP | 5.45% | 5.45% |
| 138 | PENNSTAR Hermitage | 5.46% | 6.18% |
| 139 | SUSQUEHANNA VALLEY Camp Hill | 5.49% | 5.86% |
| 140 | HONEYWELL PHILADELPHIA DIV Ft Washington | 5.49% | 5.99% |
| 141 | EQT Pittsburgh | 5.49% | 7.75% |
| 142 | NORTH EAST WELCH North East | 5.49% | 8.21% |
| 143 | SUPERIOR CREDIT UNION Collegeville | 5.49% | 5.74% |
| 144 | WHEATLAND LANCASTER | 5.49% | 6.41% |
| 145 | SCRANTON DOWNTOWN Scranton | 5.50% | 6.50% |
| 146 | BERYLCO EMPLOYEES' HAMBURG | 5.50% | 6.25% |
| 147 | A T & T EMPLOYEES PITTSBURGH Pittsburgh | 5.50% | 6.00% |
| 148 | COPPER & GLASS GLASSPORT | 5.50% | 7.50% |
| 149 | BRADFORD AREA BRADFORD | 5.50% | 6.50% |
| 150 | MULTI-SCHOOLS Wampum | 5.51% | 6.46% |
| 151 | TENDTO Erie | 5.52% | 6.91% |
| 152 | MOONLIGHT Worthington | 5.52% | 7.40% |
| 153 | JOHNSTOWN SCHOOL EMPLOYEES JOHNSTOWN | 5.53% | 6.01% |
| 154 | TRI COUNTY AREA POTTSTOWN | 5.54% | 7.21% |
| 155 | TRUMARK FINANCIAL Fort Washington | 5.54% | 5.79% |
| 156 | HERSHEY Hummelstown | 5.55% | 5.93% |
| 157 | CENTRAL SUSQUEHANNA COMMUNITY DANVILLE | 5.56% | 5.50% |
| 158 | CAL-ED CALIFORNIA | 5.56% | 11.62% |
| 159 | WYROPE WILLIAMSPORT S Williamsport | 5.58% | 5.68% |
| 160 | ERIE FIREFIGHTERS Erie | 5.60% | 9.50% |
| 161 | SARCO BETHLEHEM | 5.61% | 7.09% |
| 162 | GREATER PITTSBURGH POLICE Pittsburgh | 5.64% | 7.04% |
| 163 | COMMUNITY CONNECT Titusville | 5.64% | 7.95% |
| 164 | BLACKHAWK Beaver Falls | 5.65% | 6.61% |
| 165 | R-S BELLCO New Brighton | 5.66% | 8.40% |
| 166 | NEW CASTLE BELLCO NEW CASTLE | 5.69% | 6.14% |
| 167 | FRANKLIN MINT CHADDS FORD | 5.72% | 7.17% |
| 168 | HILL DISTRICT Pittsburgh | 5.73% | 7.02% |
| 169 | CITADEL EXTON | 5.74% | 6.49% |
| 170 | TOP TIER Clarion | 5.74% | 6.51% |
| 171 | CLAIRTON WORKS Clairton | 5.74% | 6.76% |
| 172 | CORRY Corry | 5.74% | 5.99% |
| 173 | 3HILL Blue Bell | 5.74% | 5.74% |
| 174 | N.F.G. #2 WARREN | 5.75% | 6.25% |
| 175 | ARDENT Phila | 5.75% | 5.75% |
| 176 | READING BERKS SCHOOL EMPLOYEES Reading | 5.75% | 7.00% |
| 177 | 1ST ED CREDIT UNION Chambersburg | 5.75% | 6.25% |
| 178 | PENNSYLVANIA CENTRAL Harrisburg | 5.75% | 6.14% |
| 179 | WEST PENN P&P BEAVER | 5.75% | 7.00% |
| 180 | HORIZON Williamsport | 5.75% | 5.50% |
| 181 | POLICE & FIRE Philadelphia | 5.75% | 6.00% |
| 182 | PENN EAST SCRANTON | 5.77% | 6.53% |
| 183 | INGERSOLL-RAND Sayre | 5.80% | 9.30% |
| 184 | NEW DIRECTIONS COMMUNITY Franklin | 5.82% | 7.58% |
| 185 | UNITED COMMUNITY West Mifflin | 5.87% | 6.68% |
| 186 | DISCOVERY WYOMISSING | 5.89% | 6.29% |
| 187 | MEMBERS 1ST Enola | 5.89% | 6.14% |
| 188 | SMMH Pittsburgh | 5.90% | 7.99% |
| 189 | SAINT VINCENT ERIE Erie | 5.91% | 6.68% |
| 190 | CENTURY HERITAGE PITTSBURGH | 5.94% | 6.89% |
| 191 | ALLEGHENY VALLEY PITTSBURGH | 5.95% | 6.95% |
| 192 | AMERICO ERIE | 5.95% | 6.88% |
| 193 | USX Cranberry Twp | 5.96% | 7.01% |
| 194 | DIAMOND Pottstown | 5.99% | 5.49% |
| 195 | GREENSBURG TEACHERS GREENSBURG | 5.99% | 6.99% |
| 196 | YORK EDUCATIONAL York | 5.99% | 6.19% |
| 197 | TRI BORO Munhall | 5.99% | 6.19% |
| 198 | CLEARVIEW Moon Township | 5.99% | 6.29% |
| 199 | THE ONE Meadville | 5.99% | 8.09% |
| 200 | NORTH DISTRICTS GIBSONIA | 5.99% | 6.99% |
| 201 | GLASS CAP Connellsville | 6.00% | 9.00% |
| 202 | STEEL STRONG COMMUNITY Elizabeth | 6.00% | 6.85% |
| 203 | LONZA Williamsport | 6.00% | 4.40% |
| 204 | MCKEESPORT AREA PUBLIC SCHOOL EMP MCKEESPORT | 6.00% | 7.00% |
| 205 | DERRY AREA DERRY | 6.00% | 9.00% |
| 206 | B V M S N Walnutport | 6.00% | 6.00% |
| 207 | BVA Belle Vernon | 6.00% | 7.00% |
| 208 | U.A.L.U. 354 YOUNGWOOD | 6.00% | 7.00% |
| 209 | SAINT NICHOLAS Wilkes Barre | 6.00% | 8.00% |
| 210 | NET Scranton | 6.04% | 6.54% |
| 211 | MONTOURSVILLE AREA MONTOURSVILLE | 6.05% | 6.04% |
| 212 | NEW CUMBERLAND NEW CUMBERLAND | 6.07% | 7.04% |
| 213 | RELIANCE King of Prussia | 6.09% | 6.65% |
| 214 | BETHLEHEM 1ST Bethlehem | 6.10% | 6.71% |
| 215 | PALCO FCU MUNCY | 6.13% | 6.45% |
| 216 | TRANSIT WORKERS PHILADELPHIA | 6.14% | 9.80% |
| 217 | MERCER COUNTY COMMUNITY Hermitage | 6.16% | 7.82% |
| 218 | INSPIRE Newtown | 6.19% | 7.31% |
| 219 | WHITE ROSE York | 6.22% | 6.88% |
| 220 | CHROME Canonsburg | 6.24% | 7.25% |
| 221 | CHOICE ONE COMMUNITY Plains Township | 6.24% | 6.74% |
| 222 | FREEDOM UNITED ROCHESTER | 6.24% | 7.67% |
| 223 | POCONO MEDICAL CENTER East Stroudsbur | 6.25% | 7.50% |
| 224 | PHB EMPLOYEES Fairview | 6.25% | 6.75% |
| 225 | MON VALLEY COMMUNITY ALLENPORT | 6.25% | 7.50% |
| 226 | BHCU RIDLEY PARK | 6.29% | 5.59% |
| 227 | PRIORITY FIRST DU BOIS | 6.30% | 6.14% |
| 228 | NEW ALLIANCE AMBRIDGE | 6.32% | 7.05% |
| 229 | WASHINGTON AREA TEACHERS Washington | 6.35% | 6.75% |
| 230 | GUTHRIE COMMUNITY SAYRE | 6.35% | 8.72% |
| 231 | WESTERN PA New Kensington | 6.36% | 6.38% |
| 232 | FAYETTE COUNTY SCHOOL EMPLOYEES Uniontown | 6.42% | 7.13% |
| 233 | CACL Pottsville | 6.49% | 12.49% |
| 234 | FORGE Upper Darby | 6.49% | 6.74% |
| 235 | WIDGET Erie | 6.49% | 6.79% |
| 236 | CROSS VALLEY Wilkes Barre | 6.49% | 6.49% |
| 237 | SUN EAST Aston | 6.49% | 6.49% |
| 238 | VALLEY 1ST COMMUNITY MONESSEN | 6.49% | 7.66% |
| 239 | FIRST COMMONWEALTH Lehigh Valley | 6.49% | 6.24% |
| 240 | MOUNTAIN LAUREL SAINT MARYS | 6.50% | 6.55% |
| 241 | USSCO JOHNSTOWN JOHNSTOWN | 6.50% | 7.00% |
| 242 | FINANTA Lancaster | 6.62% | 9.09% |
| 243 | P & G MEHOOPANY EMPLOYEES Tunkhannock | 6.70% | 6.70% |
| 244 | LANCO Lancaster | 6.74% | 6.74% |
| 245 | PENNSYLVANIA STATE EMPLOYEES HARRISBURG | 6.74% | 6.74% |
| 246 | ARIZE State College | 6.74% | 7.24% |
| 247 | MC Danville | 6.75% | 8.45% |
| 248 | SOUTHWEST COMMUNITIES Carnegie | 6.79% | 7.43% |
| 249 | PATRIOT CHAMBERSBURG | 6.84% | 10.24% |
| 250 | NORTHWOOD Philadelphia | 6.85% | — |
| 251 | FRICK FINANCIAL Uniontown | 6.86% | 10.16% |
| 252 | GREATER PITTSBURGH Pittsburgh | 6.89% | 7.53% |
| 253 | CITYMARK Plains | 6.91% | 8.42% |
| 254 | BACK MOUNTAIN SHAVERTOWN | 7.00% | 7.25% |
| 255 | ERIE Erie | 7.00% | 8.25% |
| 256 | LATROBE LATROBE | 7.15% | 8.05% |
| 257 | ALLEGENT COMMUNITY Pittsburgh | 7.34% | 8.14% |
| 258 | UKRAINIAN SELFRELIANCE OF WEST. PA. Carnegie | 7.84% | 7.79% |
| 259 | PACE RESOURCES YORK | 8.24% | 8.36% |
| 260 | A.B. Duncansville | 10.84% | 12.47% |
261 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CORNER POST Wilkes Barre | 3.75% | 3.50% |
| 2 | CMC-FCPI EMPLOYEES Scranton | 3.83% | 3.57% |
| 3 | APCI Lehigh Valley | 3.99% | 3.99% |
| 4 | ALTOONA AREA EMPLOYEES ALTOONA | 3.99% | 3.99% |
| 5 | UNIVERSITY OF PENNSYLVANIA STUDENTS Philadelphia | 4.07% | 4.08% |
| 6 | FORT LIGONIER JEROME | 4.12% | 3.22% |
| 7 | PHILADELPHIA Philadelphia | 4.25% | 3.77% |
| 8 | LONZA Williamsport | 4.40% | 6.00% |
| 9 | TRI STATE RAIL ERIE | 4.49% | 3.90% |
| 10 | FREEDOM WARMINSTER | 4.49% | 3.99% |
| 11 | WEST BRANCH VALLEY WILLIAMSPORT | 4.49% | 4.49% |
| 12 | NORTHAMPTON AREA SCHOOL DIST. EMPS Northampton | 4.50% | 4.25% |
| 13 | MT PLEASANT AREA SCHOOL EMP MOUNT PLEASANT | 4.50% | 4.25% |
| 14 | LEHIGH COUNTY EMPLOYEES Allentown | 4.50% | 4.50% |
| 15 | ACBA FED CREDIT UNION (3226) Pittsburgh | 4.55% | 3.80% |
| 16 | FIRST CHOICE New Castle | 4.74% | 4.24% |
| 17 | LANCASTER RED ROSE Leola | 4.75% | 4.00% |
| 18 | RIVERFRONT Wyomissing | 4.79% | 4.79% |
| 19 | PAAC TRANSIT DIVISION Pittsburgh | 4.82% | 4.63% |
| 20 | E R R L WYNDMOOR | 4.89% | 3.63% |
| 21 | U.F.C.W. LOCAL 23 Canonsburg | 4.90% | 3.90% |
| 22 | PAR-DEL EMP. WYOMING | 4.90% | 3.90% |
| 23 | C-B-W SCHOOLS SIDMAN | 4.90% | 4.65% |
| 24 | U F C W LOCAL 1776 PLYMOUTH MEETIN | 4.99% | 3.99% |
| 25 | ALLEGHENY LUDLUM BRACKENRIDGE BRACKENRIDGE | 4.99% | 4.49% |
| 26 | TIMBERLAND DUBOIS | 4.99% | 4.99% |
| 27 | UTILITIES EMPLOYEES READING | 4.99% | 4.99% |
| 28 | HIDDEN RIVER Pottsville | 4.99% | 4.99% |
| 29 | OMEGA Wexford | 4.99% | 4.99% |
| 30 | VANTAGE TRUST WILKES BARRE | 4.99% | 4.99% |
| 31 | UPPER DARBY BELLTELCO UPPER DARBY | 4.99% | 4.99% |
| 32 | PHEPLE Greensburg | 4.99% | 4.99% |
| 33 | FIRSTENERGY CHOICE GREENSBURG | 4.99% | 4.99% |
| 34 | ALLENTOWN Allentown | 4.99% | 4.99% |
| 35 | MERCK SHARP & DOHME CHALFONT | 4.99% | 4.99% |
| 36 | CENTRAL KEYSTONE Sunbury | 4.99% | 5.29% |
| 37 | ARMSTRONG CO. FEDERAL EMP. KITTANNING | 5.00% | 4.00% |
| 38 | FAYETTE FEDERAL EMPLOYEES UNIONTOWN | 5.00% | 4.00% |
| 39 | ARMCO BUTLER | 5.00% | 4.75% |
| 40 | GROVE CITY AREA GROVE CITY | 5.00% | 4.75% |
| 41 | JESSOP COMMUNITY Washington | 5.00% | 5.00% |
| 42 | GNC COMMUNITY New Castle | 5.00% | 5.00% |
| 43 | B I Sewickley | 5.12% | 4.16% |
| 44 | DERTOWN SCHOOL Latrobe | 5.12% | 4.62% |
| 45 | VALLEY PRIDE Kingston | 5.16% | 4.63% |
| 46 | SPOJNIA Scranton | 5.19% | 4.89% |
| 47 | MORRISONS COVE 1ST ROARING SPRING | 5.20% | 4.27% |
| 48 | LEBANON LEBANON | 5.24% | 4.99% |
| 49 | VASCO Latrobe | 5.25% | 4.50% |
| 50 | SRU Slippery Rock | 5.25% | 4.75% |
| 51 | GALAXY Franklin | 5.25% | 4.75% |
| 52 | TITAN Pleasant Gap | 5.25% | 4.96% |
| 53 | WYOMING VALLEY EDUCATIONAL EMPL Wilkes Barre | 5.25% | 4.99% |
| 54 | PEOPLE FIRST Allentown | 5.25% | 4.99% |
| 55 | PAGODA READING | 5.25% | 5.25% |
| 56 | AMERICAN HERITAGE Philadelphia | 5.34% | 4.99% |
| 57 | NEW KENSINGTON MUNICIPAL New Kensington | 5.36% | 5.28% |
| 58 | LEHIGH VALLEY EDUCATORS Allentown | 5.39% | 5.39% |
| 59 | BUTLER COUNTY TEACHERS Butler | 5.41% | 4.07% |
| 60 | WILLIAMSPORT TEACHERS SOUTH WILLIAMSP | 5.45% | 5.45% |
| 61 | FRANKLIN JOHNSTOWN JOHNSTOWN | 5.49% | 4.49% |
| 62 | NORTH PENN COLMAR | 5.49% | 4.89% |
| 63 | B. BRAUN ALLENTOWN | 5.49% | 5.00% |
| 64 | AMERICHOICE Mechanicsburg | 5.49% | 5.24% |
| 65 | FIRST CAPITAL York | 5.49% | 5.24% |
| 66 | SPIRIT FINANCIAL LEVITTOWN | 5.49% | 5.24% |
| 67 | BLAIR COUNTY ALTOONA | 5.49% | 5.24% |
| 68 | DIAMOND Pottstown | 5.49% | 5.99% |
| 69 | I B E W LOCAL 56 Erie | 5.50% | 4.85% |
| 70 | EARNING TREE Wilkes Barre | 5.50% | 4.99% |
| 71 | AVH natrona heights | 5.50% | 5.00% |
| 72 | HEALTHCARE FIRST CREDIT UNION JOHNSTOWN | 5.50% | 5.25% |
| 73 | CHESWICK ATOMIC DIVISION Harwick | 5.50% | 5.30% |
| 74 | CENTRAL SUSQUEHANNA COMMUNITY DANVILLE | 5.50% | 5.56% |
| 75 | HORIZON Williamsport | 5.50% | 5.75% |
| 76 | NORWIN TEACHERS North Huntingdo | 5.59% | 4.79% |
| 77 | USNE PENITENTIARY EMPLOYEES LEWISBURG | 5.59% | 4.96% |
| 78 | BHCU RIDLEY PARK | 5.59% | 6.29% |
| 79 | GLATCO Spring Grove | 5.60% | 4.82% |
| 80 | BESSEMER SYSTEM Greenville | 5.61% | 5.10% |
| 81 | PPG & ASSOCIATES Creighton | 5.63% | 4.74% |
| 82 | PENLANCO Lancaster | 5.65% | 4.80% |
| 83 | ELLIOTT COMMUNITY JEANNETTE | 5.65% | 5.07% |
| 84 | WYROPE WILLIAMSPORT S Williamsport | 5.68% | 5.58% |
| 85 | MERHO JOHNSTOWN | 5.71% | 4.22% |
| 86 | POST GAZETTE PITTSBURGH | 5.71% | 4.28% |
| 87 | SUPERIOR CREDIT UNION Collegeville | 5.74% | 5.49% |
| 88 | 3HILL Blue Bell | 5.74% | 5.74% |
| 89 | ALCOSE White Oak | 5.75% | 4.50% |
| 90 | PENN-TRAFFORD SCHOOL EMP. Trafford | 5.75% | 4.75% |
| 91 | KENNAFORD Bedford | 5.75% | 4.75% |
| 92 | ARDENT Phila | 5.75% | 5.75% |
| 93 | ARC Altoona | 5.79% | 4.97% |
| 94 | TRUMARK FINANCIAL Fort Washington | 5.79% | 5.54% |
| 95 | SUSQUEHANNA VALLEY Camp Hill | 5.86% | 5.49% |
| 96 | PRR SOUTH FORK South Fork | 5.87% | 4.03% |
| 97 | HERSHEY Hummelstown | 5.93% | 5.55% |
| 98 | WESTMORELAND WATER Greensburg | 5.95% | 3.85% |
| 99 | PITTSBURGH CITY HALL EMPLOYEES Pittsburgh | 5.99% | 4.49% |
| 100 | AFFILIATED TRADES COLLEGEVILLE | 5.99% | 4.99% |
| 101 | PENNSYLVANIA-AMERICAN WATER Bethel Park | 5.99% | 4.99% |
| 102 | PENN Philadelphia | 5.99% | 5.00% |
| 103 | HONEYWELL PHILADELPHIA DIV Ft Washington | 5.99% | 5.49% |
| 104 | CORRY Corry | 5.99% | 5.74% |
| 105 | CRAYOLA LLC EMPLOYEES CREDIT UNION EASTON | 6.00% | 4.75% |
| 106 | HAZLETON SCHOOL EMPLOYEES HAZLETON | 6.00% | 5.00% |
| 107 | YOUR CHOICE ALTOONA | 6.00% | 5.00% |
| 108 | FRANKLIN REGIONAL SCHOOLS Jeannette | 6.00% | 5.00% |
| 109 | A T & T EMPLOYEES PITTSBURGH Pittsburgh | 6.00% | 5.50% |
| 110 | POLICE & FIRE Philadelphia | 6.00% | 5.75% |
| 111 | B V M S N Walnutport | 6.00% | 6.00% |
| 112 | ASBESTOS WORKERS LOCAL 14 Philadelphia | 6.00% | — |
| 113 | JOHNSTOWN SCHOOL EMPLOYEES JOHNSTOWN | 6.01% | 5.53% |
| 114 | ACCESS BRISTOL | 6.04% | 4.88% |
| 115 | DOW BUCKS COUNTY Bristol | 6.04% | 5.08% |
| 116 | MONTOURSVILLE AREA MONTOURSVILLE | 6.04% | 6.05% |
| 117 | TEAM FIRST LANCASTER | 6.05% | 4.30% |
| 118 | EAST END FOOD COOPERATIVE PITTSBURGH | 6.07% | 4.93% |
| 119 | URE East Pittsburgh | 6.08% | 4.14% |
| 120 | WABELLCO Washington | 6.13% | 4.18% |
| 121 | FIRST AREA Lewistown | 6.13% | 5.13% |
| 122 | NEW CASTLE BELLCO NEW CASTLE | 6.14% | 5.69% |
| 123 | PENNSYLVANIA CENTRAL Harrisburg | 6.14% | 5.75% |
| 124 | MEMBERS 1ST Enola | 6.14% | 5.89% |
| 125 | PRIORITY FIRST DU BOIS | 6.14% | 6.30% |
| 126 | SCA NEW CASTLE | 6.17% | 5.11% |
| 127 | PENNSTAR Hermitage | 6.18% | 5.46% |
| 128 | ERIE POLICE Erie | 6.19% | 5.15% |
| 129 | YORK EDUCATIONAL York | 6.19% | 5.99% |
| 130 | TRI BORO Munhall | 6.19% | 5.99% |
| 131 | VISIONARY Bridgeville | 6.20% | 4.89% |
| 132 | ALLEGHENY CENTRAL Dunbar | 6.24% | 4.24% |
| 133 | FIRST COMMONWEALTH Lehigh Valley | 6.24% | 6.49% |
| 134 | STANWOOD AREA New Stanton | 6.25% | 3.99% |
| 135 | PENN STATE Bellefonte | 6.25% | 4.99% |
| 136 | FRIENDLY Aliquippa | 6.25% | 5.05% |
| 137 | AMERICAN PRIDE ALTOONA | 6.25% | 5.25% |
| 138 | BERYLCO EMPLOYEES' HAMBURG | 6.25% | 5.50% |
| 139 | N.F.G. #2 WARREN | 6.25% | 5.75% |
| 140 | 1ST ED CREDIT UNION Chambersburg | 6.25% | 5.75% |
| 141 | DISCOVERY WYOMISSING | 6.29% | 5.89% |
| 142 | CLEARVIEW Moon Township | 6.29% | 5.99% |
| 143 | I.B.E.W. - LOCAL NO. 5 Pittsburgh | 6.37% | 4.78% |
| 144 | WESTERN PA New Kensington | 6.38% | 6.36% |
| 145 | STEAMFITTERS PHILA WEST CHESTER | 6.40% | 5.40% |
| 146 | WHEATLAND LANCASTER | 6.41% | 5.49% |
| 147 | PITTSBURGH FIREFIGHTERS' pittsburgh | 6.45% | 4.83% |
| 148 | PALCO FCU MUNCY | 6.45% | 6.13% |
| 149 | MULTI-SCHOOLS Wampum | 6.46% | 5.51% |
| 150 | NEWELL Newell | 6.48% | 4.60% |
| 151 | VA PITTSBURGH EMPLOYEES Pittsburgh | 6.48% | 4.83% |
| 152 | HERITAGE VALLEY York | 6.49% | 4.24% |
| 153 | CITADEL EXTON | 6.49% | 5.74% |
| 154 | CROSS VALLEY Wilkes Barre | 6.49% | 6.49% |
| 155 | SUN EAST Aston | 6.49% | 6.49% |
| 156 | HIGHWAY Hughestown | 6.50% | 5.00% |
| 157 | SCRANTON DOWNTOWN Scranton | 6.50% | 5.50% |
| 158 | BRADFORD AREA BRADFORD | 6.50% | 5.50% |
| 159 | TOP TIER Clarion | 6.51% | 5.74% |
| 160 | PENN EAST SCRANTON | 6.53% | 5.77% |
| 161 | NET Scranton | 6.54% | 6.04% |
| 162 | MOUNTAIN LAUREL SAINT MARYS | 6.55% | 6.50% |
| 163 | A & S Aliquippa | 6.57% | 5.30% |
| 164 | BLACKHAWK Beaver Falls | 6.61% | 5.65% |
| 165 | RELIANCE King of Prussia | 6.65% | 6.09% |
| 166 | EVERENCE Lancaster | 6.67% | 3.65% |
| 167 | UNITED COMMUNITY West Mifflin | 6.68% | 5.87% |
| 168 | SAINT VINCENT ERIE Erie | 6.68% | 5.91% |
| 169 | P & G MEHOOPANY EMPLOYEES Tunkhannock | 6.70% | 6.70% |
| 170 | BETHLEHEM 1ST Bethlehem | 6.71% | 6.10% |
| 171 | LESCO Latrobe | 6.73% | 5.29% |
| 172 | BELCO COMMUNITY CREDIT UNION HARRISBURG | 6.74% | 4.74% |
| 173 | CHOICE ONE COMMUNITY Plains Township | 6.74% | 6.24% |
| 174 | FORGE Upper Darby | 6.74% | 6.49% |
| 175 | LANCO Lancaster | 6.74% | 6.74% |
| 176 | PENNSYLVANIA STATE EMPLOYEES HARRISBURG | 6.74% | 6.74% |
| 177 | PHB EMPLOYEES Fairview | 6.75% | 6.25% |
| 178 | WASHINGTON AREA TEACHERS Washington | 6.75% | 6.35% |
| 179 | CLAIRTON WORKS Clairton | 6.76% | 5.74% |
| 180 | WIDGET Erie | 6.79% | 6.49% |
| 181 | ALLEG-KISKI POSTAL NEW KENSINGTON | 6.85% | 5.15% |
| 182 | STEEL STRONG COMMUNITY Elizabeth | 6.85% | 6.00% |
| 183 | PITTSBURGH Pittsburgh | 6.86% | 4.62% |
| 184 | AMERICO ERIE | 6.88% | 5.95% |
| 185 | WHITE ROSE York | 6.88% | 6.22% |
| 186 | CENTURY HERITAGE PITTSBURGH | 6.89% | 5.94% |
| 187 | ARMSTRONG ASSOCIATES Ford City | 6.90% | 4.45% |
| 188 | TENDTO Erie | 6.91% | 5.52% |
| 189 | ALLEGHENY VALLEY PITTSBURGH | 6.95% | 5.95% |
| 190 | SERVICE 1ST Danville | 6.99% | 4.99% |
| 191 | GREENSBURG TEACHERS GREENSBURG | 6.99% | 5.99% |
| 192 | NORTH DISTRICTS GIBSONIA | 6.99% | 5.99% |
| 193 | COLFAX POWER PLANT EMPLOYEES SPRINGDALE | 7.00% | 5.00% |
| 194 | READING BERKS SCHOOL EMPLOYEES Reading | 7.00% | 5.75% |
| 195 | WEST PENN P&P BEAVER | 7.00% | 5.75% |
| 196 | MCKEESPORT AREA PUBLIC SCHOOL EMP MCKEESPORT | 7.00% | 6.00% |
| 197 | BVA Belle Vernon | 7.00% | 6.00% |
| 198 | U.A.L.U. 354 YOUNGWOOD | 7.00% | 6.00% |
| 199 | USSCO JOHNSTOWN JOHNSTOWN | 7.00% | 6.50% |
| 200 | USX Cranberry Twp | 7.01% | 5.96% |
| 201 | HILL DISTRICT Pittsburgh | 7.02% | 5.73% |
| 202 | GREATER PITTSBURGH POLICE Pittsburgh | 7.04% | 5.64% |
| 203 | NEW CUMBERLAND NEW CUMBERLAND | 7.04% | 6.07% |
| 204 | NEW ALLIANCE AMBRIDGE | 7.05% | 6.32% |
| 205 | SARCO BETHLEHEM | 7.09% | 5.61% |
| 206 | P C PORT ALLEGANY | 7.13% | 5.29% |
| 207 | FAYETTE COUNTY SCHOOL EMPLOYEES Uniontown | 7.13% | 6.42% |
| 208 | FRANKLIN MINT CHADDS FORD | 7.17% | 5.72% |
| 209 | TRI COUNTY AREA POTTSTOWN | 7.21% | 5.54% |
| 210 | ARIZE State College | 7.24% | 6.74% |
| 211 | CHROME Canonsburg | 7.25% | 6.24% |
| 212 | BACK MOUNTAIN SHAVERTOWN | 7.25% | 7.00% |
| 213 | PINPOINT MILTON | 7.30% | 2.44% |
| 214 | INSPIRE Newtown | 7.31% | 6.19% |
| 215 | MOONLIGHT Worthington | 7.40% | 5.52% |
| 216 | SOUTHWEST COMMUNITIES Carnegie | 7.43% | 6.79% |
| 217 | UFCW COMMUNITY Wyoming | 7.50% | 5.22% |
| 218 | COPPER & GLASS GLASSPORT | 7.50% | 5.50% |
| 219 | POCONO MEDICAL CENTER East Stroudsbur | 7.50% | 6.25% |
| 220 | MON VALLEY COMMUNITY ALLENPORT | 7.50% | 6.25% |
| 221 | GREATER PITTSBURGH Pittsburgh | 7.53% | 6.89% |
| 222 | NEW DIRECTIONS COMMUNITY Franklin | 7.58% | 5.82% |
| 223 | VALLEY 1ST COMMUNITY MONESSEN | 7.66% | 6.49% |
| 224 | FREEDOM UNITED ROCHESTER | 7.67% | 6.24% |
| 225 | LOCOMOTIVE & CONTROL EMPLOYEES Erie | 7.68% | 5.05% |
| 226 | ERIE CITY EMPLOYEES Erie | 7.75% | 5.04% |
| 227 | EQT Pittsburgh | 7.75% | 5.49% |
| 228 | UKRAINIAN SELFRELIANCE OF WEST. PA. Carnegie | 7.79% | 7.84% |
| 229 | MERCER COUNTY COMMUNITY Hermitage | 7.82% | 6.16% |
| 230 | COMMUNITY CONNECT Titusville | 7.95% | 5.64% |
| 231 | SMMH Pittsburgh | 7.99% | 5.90% |
| 232 | PENNTECH EMPLOYEES Johnsonburg | 8.00% | 5.00% |
| 233 | PENN HILLS MUNICIPAL Pittsburgh | 8.00% | 5.00% |
| 234 | SAINT NICHOLAS Wilkes Barre | 8.00% | 6.00% |
| 235 | LATROBE LATROBE | 8.05% | 7.15% |
| 236 | G.A.P. JOHNSTOWN | 8.09% | 5.12% |
| 237 | THE ONE Meadville | 8.09% | 5.99% |
| 238 | ALLEGENT COMMUNITY Pittsburgh | 8.14% | 7.34% |
| 239 | NORTH EAST WELCH North East | 8.21% | 5.49% |
| 240 | WEST-AIRCOMM Beaver | 8.24% | 4.75% |
| 241 | ERIE Erie | 8.25% | 7.00% |
| 242 | PACE RESOURCES YORK | 8.36% | 8.24% |
| 243 | R-S BELLCO New Brighton | 8.40% | 5.66% |
| 244 | CITYMARK Plains | 8.42% | 6.91% |
| 245 | MC Danville | 8.45% | 6.75% |
| 246 | IRON WORKERS Pittsburgh | 8.68% | 3.55% |
| 247 | GUTHRIE COMMUNITY SAYRE | 8.72% | 6.35% |
| 248 | GLASS CAP Connellsville | 9.00% | 6.00% |
| 249 | DERRY AREA DERRY | 9.00% | 6.00% |
| 250 | FINANTA Lancaster | 9.09% | 6.62% |
| 251 | INGERSOLL-RAND Sayre | 9.30% | 5.80% |
| 252 | ERIE FIREFIGHTERS Erie | 9.50% | 5.60% |
| 253 | TRANSIT WORKERS PHILADELPHIA | 9.80% | 6.14% |
| 254 | PAPER CONVERTERS LOCAL 286/1034 PHILADELPHIA | 10.00% | — |
| 255 | FRICK FINANCIAL Uniontown | 10.16% | 6.86% |
| 256 | PATRIOT CHAMBERSBURG | 10.24% | 6.84% |
| 257 | BRADFORD AREA SCHOOL EMPLOYEES Bradford | 10.26% | 5.45% |
| 258 | KINZUA Warren | 10.46% | 5.16% |
| 259 | CAL-ED CALIFORNIA | 11.62% | 5.56% |
| 260 | A.B. Duncansville | 12.47% | 10.84% |
| 261 | CACL Pottsville | 12.49% | 6.49% |
Most community credit unions in Pennsylvania 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.