Auto Loans · Lancaster, Pennsylvania
6 credit unions in Lancaster report car loan rates to the NCUA. Rates range from 3.65% to 6.74%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
3.65%
Lowest New Car Rate
5.27%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EVERENCE ★ 4.0 · 44 reviews | 3.65% | 6.67% |
| 2 | TEAM FIRST ★ 3.6 · 15 reviews | 4.30% | 6.05% |
| 3 | PENLANCO ★ 4.5 · 11 reviews | 4.80% | 5.65% |
| 4 | WHEATLAND ★ 4.6 · 91 reviews | 5.49% | 6.41% |
| 5 | FINANTA ★ 5.0 · 2 reviews | 6.62% | 9.09% |
| 6 | LANCO ★ 3.7 · 59 reviews | 6.74% | 6.74% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PENLANCO ★ 4.5 · 11 reviews | 5.65% | 4.80% |
| 2 | TEAM FIRST ★ 3.6 · 15 reviews | 6.05% | 4.30% |
| 3 | WHEATLAND ★ 4.6 · 91 reviews | 6.41% | 5.49% |
| 4 | EVERENCE ★ 4.0 · 44 reviews | 6.67% | 3.65% |
| 5 | LANCO ★ 3.7 · 59 reviews | 6.74% | 6.74% |
| 6 | FINANTA ★ 5.0 · 2 reviews | 9.09% | 6.62% |
A pre-approval from a Lancaster 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 Lancaster in the same window and take the best offer.
See member reviews, branch locations, and full rate details.