Auto Loans · Bethlehem, Pennsylvania
2 credit unions in Bethlehem report car loan rates to the NCUA. Rates range from 5.61% to 6.10%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.61%
Lowest New Car Rate
5.86%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SARCO ★ 4.4 · 5 reviews | 5.61% | 7.09% |
| 2 | BETHLEHEM 1ST ★ 3.7 · 12 reviews | 6.10% | 6.71% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BETHLEHEM 1ST ★ 3.7 · 12 reviews | 6.71% | 6.10% |
| 2 | SARCO ★ 4.4 · 5 reviews | 7.09% | 5.61% |
A pre-approval from a Bethlehem 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 Bethlehem in the same window and take the best offer.
See member reviews, branch locations, and full rate details.