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Digital Federal Credit Union (DCU) auto loan rates compared

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Nationwide · Headquarters Massachusetts

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Rate page on dcu.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 5 rates

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.24%NewUp to 36 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 36 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.24%NewUp to 48 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 48 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.24%NewUp to 65 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 65 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.74%NewUp to 72 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 72 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.74% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

7.24%NewUp to 84 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 84 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 7.24% from Digital Federal Credit Union (DCU)Visit lender ↗

UsedUsed car rates · 5 rates

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.24%UsedUp to 36 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 36 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.24%UsedUp to 48 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 48 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.24%UsedUp to 65 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 65 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.74%UsedUp to 72 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 72 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.74% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

7.24%UsedUp to 84 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 84 months.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 7.24% from Digital Federal Credit Union (DCU)Visit lender ↗

RefiRefinance rates · 5 rates

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.24%RefiUp to 36 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 36 months. Auto refinancing table shows the same APRs.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.24%RefiUp to 48 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 48 months. Auto refinancing table shows the same APRs.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.24%RefiUp to 65 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 65 months. Auto refinancing table shows the same APRs.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.24% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

5.74%RefiUp to 72 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 72 months. Auto refinancing table shows the same APRs.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 5.74% from Digital Federal Credit Union (DCU)Visit lender ↗
As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.AutopayAutopay: The published rate assumes automatic payments (autopay).

7.24%RefiUp to 84 months

NationwideChecked Nov 11, 2026

What the lender published

As low as for new or used cars, trucks, and vans. Published rate includes a 0.50% discount for qualifying direct deposit of at least $500/month to checking (Social Security exempt from the $500 minimum) and electronic loan payments. Rate may change after consummation. Up to 130% LTV subject to underwriting. Advertised as up to 84 months. Auto refinancing table shows the same APRs.

Checked Nov 11, 2026Source dcu.org

Calculate payment at 7.24% from Digital Federal Credit Union (DCU)Visit lender ↗