Auto Loans · Frederick, Maryland
2 credit unions in Frederick report car loan rates to the NCUA. Rates range from 4.08% to 7.24%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.08%
Lowest New Car Rate
5.66%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FERKO MD ★ 5.0 · 13 reviews | 4.08% | 6.50% |
| 2 | NYMEO ★ 3.7 · 36 reviews | 7.24% | 7.49% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FERKO MD ★ 5.0 · 13 reviews | 6.50% | 4.08% |
| 2 | NYMEO ★ 3.7 · 36 reviews | 7.49% | 7.24% |
A pre-approval from a Frederick 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 Frederick in the same window and take the best offer.
See member reviews, branch locations, and full rate details.