Loan Rates

Vehicle Loan Rates

The following rates are effective on January 1, 2018 and subject to change without notice. For updated information, inquire at any FedChoice Financial Service Center (FSC) location or contact our Financial Advisory Center (FAC) at 301.699.6151800.969.6151.

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Auto/Motorcycle Fixed Loan Rates

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.~ 2.49%
New $15,000 min 73 to 84 mos. 3.49%
Used/Refinanced $5,000 min up to 60 mos. 2.50%
Used/Refinanced $15,000 min 61 to 72 mos.~ 3.24%

If you don’t see what you need, please contact us to discuss how we can help you.
Financing Up to 115% 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.

Auto/Motorcycle Fixed Loan Rates
Model Year 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

Leisure Vehicles

Leisure Vehicles
Loan Type Loan Amount Term APR* as low as**
Boat, RV $15,000 min up to 84 mos. 3.95%
Boat, RV $40,000 min 85 to 120 mos. 5.25%
Boat, RV $40,000 min 121 to 144 mos. 5.75%

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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Rates at a glance

Fed Choice