Auto Loans · Franklin, Pennsylvania
2 credit unions in Franklin report car loan rates to the NCUA. Rates range from 4.75% to 5.82%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.75%
Lowest New Car Rate
5.29%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | GALAXY ★ 3.7 · 20 reviews | 4.75% | 5.25% |
| 2 | NEW DIRECTIONS COMMUNITY ★ 4.3 · 4 reviews | 5.82% | 7.58% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GALAXY ★ 3.7 · 20 reviews | 5.25% | 4.75% |
| 2 | NEW DIRECTIONS COMMUNITY ★ 4.3 · 4 reviews | 7.58% | 5.82% |
A pre-approval from a Franklin 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 Franklin in the same window and take the best offer.
See member reviews, branch locations, and full rate details.