Auto Loan Rates



The following rates are effective on January 1, 2022 and subject to change without notice. For updated information, inquire at any FedChoice Financial Service Center (FSC) location or contact our Member Care Center at 301.699.6151800.969.6151.

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Auto/Motorcycle Fixed Loan Rates
Model Year Loan Amount Term APR* as low as**
New $5,000 min up to 60 mos. 1.99%
New $15,000 min 61 to 72 mos.~ 2.14%
New $15,000 min 73 to 84 mos. 3.14%
Used/Refinanced $5,000 min up to 60 mos.


Used/Refinanced $15,000 min 61 to 72 mos.~ 2.74%
Late Model Used/Refinanced* $3,000 min up to 36 mos. 4.49%


If you don’t see what you need, please contact us to discuss how we can help you.
Financing Up to 125% of MSRP or NADA Clean Retail — Including tax, title and warranty products.^
All loans must be current & have satisfactory payment history.
New = never titled and less than 12,000 miles, Used = previously titled.
~ New and Used Motorcycle loans are limited to 60 months.
^ Other conditions may apply.

*Late Model is considered older than 10 model years. Financing up to 100% of NADA Clean Retail - Including tax, title and warranty products. Other conditions may apply.


Auto/Motorcycle Fixed Loan Rates
Age of Vehicle Maximum Term/Dollar Value

Current to Five Years Old

Max. 72 months if over $15,000
Max. 60 months if over $5,000

Six and Seven Years Old

Max. 48 Months

Eight to Ten Years

Max. 36 Months

Over Ten Years Old Max. 36 Months

Leisure Vehicles
Loan Type Loan Amount Term APR* as low as**
Boat, RV $15,000 min up to 84 mos. 5.99%
Boat, RV $40,000 min 85 to 120 mos. 7.29%
Boat, RV $40,000 min 121 to 144 mos. 7.79%

Includes Personal Watercraft and Snowmobiles.

*Annual Percentage Rate.
**APR is based on evaluation of applicant's credit at time of application. Your actual APR may vary. FedChoice Federal Credit Union's normal underwriting requirements apply.


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*Applying for a loan as a nonmember also submits a membership application. You must be a member of FedChoice to receive a loan from us. Review membership criteria here.

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Call us at +1-301-699-6151 / +1-800-969-6151
to apply over the phone.

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Visit the nearest Financial Service Center
to apply in person!

Rates at a glance

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