Credit union
Independent comparison. JustAutoRates is not affiliated with Navy Federal Credit Union. To apply, visit navyfederal.org.
Nationwide · Headquarters Virginia
Open to military, DoD civilians, veterans, and their families
Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.
4.19%
as low as APR
Credit union · New · 12–36 months
Nationwide
Published as 12–36 months, not as its own 36-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 12-36 months.
Checked Nov 10, 2026Source navyfederal.org
4.59%
as low as APR
Credit union · New · 37–60 months
Nationwide
Published as 37–60 months, not as its own 60-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 37-60 months.
Checked Nov 10, 2026Source navyfederal.org
4.89%
as low as APR
Credit union · New · 61–72 months
Nationwide
Published as 61–72 months, not as its own 72-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 61-72 months.
Checked Nov 10, 2026Source navyfederal.org
5.09%
as low as APR
Credit union · Used · 12–36 months
Nationwide
Published as 12–36 months, not as its own 36-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. Used vehicles: 2024 and older, or any model year with over 30,000 miles. Vehicles 20+ years old use Other Eligible Vehicle rates. Advertised as 12-36 months.
Checked Nov 10, 2026Source navyfederal.org
5.59%
as low as APR
Credit union · Used · 37–60 months
Nationwide
Published as 37–60 months, not as its own 60-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. Used vehicles: 2024 and older, or any model year with over 30,000 miles. Vehicles 20+ years old use Other Eligible Vehicle rates. Advertised as 37-60 months.
Checked Nov 10, 2026Source navyfederal.org
5.69%
as low as APR
Credit union · Used · 61–72 months
Nationwide
Published as 61–72 months, not as its own 72-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. Used vehicles: 2024 and older, or any model year with over 30,000 miles. Vehicles 20+ years old use Other Eligible Vehicle rates. Advertised as 61-72 months.
Checked Nov 10, 2026Source navyfederal.org
6.29%
as low as APR
Credit union · New · 73–84 months
Nationwide
Published as 73–84 months, not as its own 84-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 73-84 months.
Checked Nov 10, 2026Source navyfederal.org
7.28%
as low as APR
Credit union · Used · 73–84 months
Nationwide
Published as 73–84 months, not as its own 84-month price.
As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. Used vehicles: 2024 and older, or any model year with over 30,000 miles. Vehicles 20+ years old use Other Eligible Vehicle rates. Advertised as 73-84 months.
Checked Nov 10, 2026Source navyfederal.org
7.69%
as low as APR
Credit union · New · 85–96 months
Nationwide
Published as 85–96 months, not as its own 96-month price.
Minimum loan $30,000.
As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 85-96 months. Minimum loan amount is $30,000 for terms of 84-96 / 85-96 months (page wording varies).
Checked Nov 10, 2026Source navyfederal.org