Auto Loans · Hagerstown, Maryland
2 credit unions in Hagerstown report car loan rates to the NCUA. Rates range from 3.75% to 5.46%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.75%
Lowest New Car Rate
4.61%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WASHINGTON COUNTY TEACHERS ★ 5.0 · 3 reviews | 3.75% | 3.75% |
| 2 | BULL DOG ★ 3.6 · 36 reviews | 5.46% | 5.78% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WASHINGTON COUNTY TEACHERS ★ 5.0 · 3 reviews | 3.75% | 3.75% |
| 2 | BULL DOG ★ 3.6 · 36 reviews | 5.78% | 5.46% |
A pre-approval from a Hagerstown 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 Hagerstown in the same window and take the best offer.
See member reviews, branch locations, and full rate details.