Auto Loans · Philadelphia, Pennsylvania
7 credit unions in Philadelphia report car loan rates to the NCUA. Rates range from 3.77% to 6.85%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
3.77%
Lowest New Car Rate
5.23%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | PHILADELPHIA ★ 3.8 · 59 reviews | 3.77% | 4.25% |
| 2 | UNIVERSITY OF PENNSYLVANIA STUDENTS ★ 3.7 · 18 reviews | 4.08% | 4.07% |
| 3 | AMERICAN HERITAGE ★ 3.0 · 330 reviews | 4.99% | 5.34% |
| 4 | PENN ★ 3.7 · 26 reviews | 5.00% | 5.99% |
| 5 | POLICE & FIRE ★ 3.7 · 372 reviews | 5.75% | 6.00% |
| 6 | TRANSIT WORKERS ★ 3.9 · 21 reviews | 6.14% | 9.80% |
| 7 | NORTHWOOD ★ 5.0 · 1 reviews | 6.85% | — |
8 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | UNIVERSITY OF PENNSYLVANIA STUDENTS ★ 3.7 · 18 reviews | 4.07% | 4.08% |
| 2 | PHILADELPHIA ★ 3.8 · 59 reviews | 4.25% | 3.77% |
| 3 | AMERICAN HERITAGE ★ 3.0 · 330 reviews | 5.34% | 4.99% |
| 4 | PENN ★ 3.7 · 26 reviews | 5.99% | 5.00% |
| 5 | POLICE & FIRE ★ 3.7 · 372 reviews | 6.00% | 5.75% |
| 6 | ASBESTOS WORKERS LOCAL 14 ★ 3.0 · 2 reviews | 6.00% | — |
| 7 | TRANSIT WORKERS ★ 3.9 · 21 reviews | 9.80% | 6.14% |
| 8 | PAPER CONVERTERS LOCAL 286/1034 ★ 4.4 · 18 reviews | 10.00% | — |
A pre-approval from a Philadelphia 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 Philadelphia in the same window and take the best offer.
See member reviews, branch locations, and full rate details.