Auto Loans · Erie, Pennsylvania
11 credit unions in Erie report car loan rates to the NCUA. Rates range from 3.90% to 7.00%.
Updated Q1 2026 · NCUA Call Report data
11
CUs Reporting Rates
3.90%
Lowest New Car Rate
5.50%
City Average Rate
11 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | TRI STATE RAIL ★ 3.8 · 5 reviews | 3.90% | 4.49% |
| 2 | I B E W LOCAL 56 ★ 5.0 · 3 reviews | 4.85% | 5.50% |
| 3 | ERIE CITY EMPLOYEES ★ 4.7 · 15 reviews | 5.04% | 7.75% |
| 4 | LOCOMOTIVE & CONTROL EMPLOYEES ★ 4.6 · 5 reviews | 5.05% | 7.68% |
| 5 | ERIE POLICE ★ 5.0 · 1 reviews | 5.15% | 6.19% |
| 6 | TENDTO ★ 2.8 · 90 reviews | 5.52% | 6.91% |
| 7 | ERIE FIREFIGHTERS ★ 5.0 · 3 reviews | 5.60% | 9.50% |
| 8 | SAINT VINCENT ERIE ★ 4.3 · 8 reviews | 5.91% | 6.68% |
| 9 | AMERICO ★ 2.9 · 11 reviews | 5.95% | 6.88% |
| 10 | WIDGET ★ 4.3 · 92 reviews | 6.49% | 6.79% |
| 11 | ERIE ★ 3.4 · 60 reviews | 7.00% | 8.25% |
11 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | TRI STATE RAIL ★ 3.8 · 5 reviews | 4.49% | 3.90% |
| 2 | I B E W LOCAL 56 ★ 5.0 · 3 reviews | 5.50% | 4.85% |
| 3 | ERIE POLICE ★ 5.0 · 1 reviews | 6.19% | 5.15% |
| 4 | SAINT VINCENT ERIE ★ 4.3 · 8 reviews | 6.68% | 5.91% |
| 5 | WIDGET ★ 4.3 · 92 reviews | 6.79% | 6.49% |
| 6 | AMERICO ★ 2.9 · 11 reviews | 6.88% | 5.95% |
| 7 | TENDTO ★ 2.8 · 90 reviews | 6.91% | 5.52% |
| 8 | LOCOMOTIVE & CONTROL EMPLOYEES ★ 4.6 · 5 reviews | 7.68% | 5.05% |
| 9 | ERIE CITY EMPLOYEES ★ 4.7 · 15 reviews | 7.75% | 5.04% |
| 10 | ERIE ★ 3.4 · 60 reviews | 8.25% | 7.00% |
| 11 | ERIE FIREFIGHTERS ★ 5.0 · 3 reviews | 9.50% | 5.60% |
A pre-approval from a Erie 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 Erie in the same window and take the best offer.
See member reviews, branch locations, and full rate details.