Auto Loans · Chambersburg, Pennsylvania
2 credit unions in Chambersburg report car loan rates to the NCUA. Rates range from 5.75% to 6.84%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.75%
Lowest New Car Rate
6.30%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | 1ST ED CREDIT UNION ★ 4.0 · 24 reviews | 5.75% | 6.25% |
| 2 | PATRIOT ★ 4.2 · 232 reviews | 6.84% | 10.24% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | 1ST ED CREDIT UNION ★ 4.0 · 24 reviews | 6.25% | 5.75% |
| 2 | PATRIOT ★ 4.2 · 232 reviews | 10.24% | 6.84% |
A pre-approval from a Chambersburg 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 Chambersburg in the same window and take the best offer.
See member reviews, branch locations, and full rate details.