Auto Loans · York, Pennsylvania
5 credit unions in York report car loan rates to the NCUA. Rates range from 4.24% to 8.24%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.24%
Lowest New Car Rate
5.99%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HERITAGE VALLEY ★ 4.7 · 39 reviews | 4.24% | 6.49% |
| 2 | FIRST CAPITAL ★ 3.9 · 67 reviews | 5.24% | 5.49% |
| 3 | YORK EDUCATIONAL ★ 3.8 · 10 reviews | 5.99% | 6.19% |
| 4 | WHITE ROSE ★ 3.7 · 27 reviews | 6.22% | 6.88% |
| 5 | PACE RESOURCES | 8.24% | 8.36% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FIRST CAPITAL ★ 3.9 · 67 reviews | 5.49% | 5.24% |
| 2 | YORK EDUCATIONAL ★ 3.8 · 10 reviews | 6.19% | 5.99% |
| 3 | HERITAGE VALLEY ★ 4.7 · 39 reviews | 6.49% | 4.24% |
| 4 | WHITE ROSE ★ 3.7 · 27 reviews | 6.88% | 6.22% |
| 5 | PACE RESOURCES | 8.36% | 8.24% |
A pre-approval from a York 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 York in the same window and take the best offer.
See member reviews, branch locations, and full rate details.