Auto Loans · District of Columbia
21 credit unions in District of Columbia report car loan rates to the NCUA. Rates range from 3.75% to 8.00%.
Updated Q1 2026 · NCUA Call Report data
21
CUs Reporting Rates
3.75%
Lowest New Car Rate
5.39%
State Average Rate
2
Cities Covered
21 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | IDB GLOBAL WASHINGTON | 3.75% | 4.25% |
| 2 | GSA Washington | 3.84% | 3.84% |
| 3 | BANK FUND STAFF WASHINGTON | 4.00% | 5.25% |
| 4 | TREASURY DEPARTMENT WASHINGTON | 4.20% | 5.39% |
| 5 | DEPARTMENT OF THE INTERIOR Washington | 4.24% | 4.34% |
| 6 | PEPCO WASHINGTON | 4.50% | 6.00% |
| 7 | LIBRARY OF CONGRESS Washington | 4.70% | 4.70% |
| 8 | GOVERNMENT PRINTING OFFICE Washington | 4.75% | 4.75% |
| 9 | HUD WASHINGTON | 5.00% | 5.50% |
| 10 | DEPT OF LABOR WASHINGTON | 5.10% | 5.90% |
| 11 | AFL CIO EMPLOYEES Washington | 5.15% | 6.73% |
| 12 | ADVANTAGE FINANCIAL WASHINGTON | 5.49% | 5.49% |
| 13 | F R B Washington | 5.51% | 8.08% |
| 14 | WRIGHT PATMAN CONGRESSIONAL WASHINGTON | 5.74% | 5.99% |
| 15 | GEORGETOWN UNIVERSITY ALUMNI AND ST Washington | 5.92% | 5.71% |
| 16 | EP Washington | 6.05% | 7.58% |
| 17 | DC Washington | 6.22% | 7.94% |
| 18 | O.A.S. STAFF Washington | 6.74% | 5.69% |
| 19 | DEPARTMENT OF COMMERCE Washington | 7.07% | 8.20% |
| 20 | PHI BETA SIGMA Washington | 7.18% | 6.74% |
| 21 | DISTRICT OF COLUMBIA TEACHERS Washington | 8.00% | 10.90% |
21 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GSA Washington | 3.84% | 3.84% |
| 2 | IDB GLOBAL WASHINGTON | 4.25% | 3.75% |
| 3 | DEPARTMENT OF THE INTERIOR Washington | 4.34% | 4.24% |
| 4 | LIBRARY OF CONGRESS Washington | 4.70% | 4.70% |
| 5 | GOVERNMENT PRINTING OFFICE Washington | 4.75% | 4.75% |
| 6 | BANK FUND STAFF WASHINGTON | 5.25% | 4.00% |
| 7 | TREASURY DEPARTMENT WASHINGTON | 5.39% | 4.20% |
| 8 | ADVANTAGE FINANCIAL WASHINGTON | 5.49% | 5.49% |
| 9 | HUD WASHINGTON | 5.50% | 5.00% |
| 10 | O.A.S. STAFF Washington | 5.69% | 6.74% |
| 11 | GEORGETOWN UNIVERSITY ALUMNI AND ST Washington | 5.71% | 5.92% |
| 12 | DEPT OF LABOR WASHINGTON | 5.90% | 5.10% |
| 13 | WRIGHT PATMAN CONGRESSIONAL WASHINGTON | 5.99% | 5.74% |
| 14 | PEPCO WASHINGTON | 6.00% | 4.50% |
| 15 | AFL CIO EMPLOYEES Washington | 6.73% | 5.15% |
| 16 | PHI BETA SIGMA Washington | 6.74% | 7.18% |
| 17 | EP Washington | 7.58% | 6.05% |
| 18 | DC Washington | 7.94% | 6.22% |
| 19 | F R B Washington | 8.08% | 5.51% |
| 20 | DEPARTMENT OF COMMERCE Washington | 8.20% | 7.07% |
| 21 | DISTRICT OF COLUMBIA TEACHERS Washington | 10.90% | 8.00% |
Most community credit unions in District of Columbia 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.