EPFCU is your best source for financing your next auto, motorcycle, boat or RV!
EFFECTIVE 10-1-2026 *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.New Auto, Truck & Motorcycle Loan Rates
Term
APR*
Est. Monthly Payment per $1000
Up to 36 Months
4.50%
$29.76/36 Mos.
Up to 48 Months
4.50%
$22.81/48 Mos.
Up to 60 Months
4.75%
$18.76/60 Mos.
Up to 72 Months
5.00%
$16.11/72 Mos.
Up to 84 Months
5.75%
$14.50/84 Mos.
EFFECTIVE 10-1-2026 *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.Used Auto, Truck & Motorcycle Loan Rates
Term
APR*
Est. Monthly Payment per $1000
Up to 36 Months
5.00%
$29.98/36 Mos.
Up to 48 Months
5.00%
$23.04/48 Mos.
Up to 60 Months
5.25%
$18.99/60 Mos.
Up to 72 Months
5.50%
$16.35/72 Mos.
Up to 84 Months
6.25%
$14.74/84 Mos.
EFFECTIVE 10-1-2026 *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply. Boat Loans are available only for boats 26 feet in length and less.New Boat & Recreational Vehicle Loan Rates
Term
APR*
Est. Monthly Payment per $1000
Up to 36 Months
6.00%
$30.43/36 Mos.
Up to 48 Months
6.00%
$23.50/48 Mos.
Up to 60 Months
6.25%
$19.46/60 Mos.
Up to 72 Months
7.50%
$16.82/72 Mos.
Up to 84 Months
7.25%
$15.22/84 Mos.
Up to 120 Months
8.75%
$12.54/120 Mos.
Up to 180 Months
9.75%
$10.60/180 Mos.
EFFECTIVE 10-1-2026 *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply. Boat Loans are available only for boats 26 feet in length and less.Used Boat & Recreational Vehicle Loan Rates
Term
APR*
Est. Monthly Payment per $1000
Up to 36 Months
6.00%
$30.43/36 Mos.
Up to 48 Months
6.00%
$23.50/48 Mos.
Up to 60 Months
6.25%
$19.46/60 Mos.
Up to 72 Months
7.50%
$16.82/72 Mos.
Up to 84 Months
7.25%
$15.22/84 Mos.
Up to 120 Months
8.75%
$12.54/120 Mos.
Up to 180 Months
9.75%
$10.60/180 Mos.
EFFECTIVE 10-1-2026 Includes ATVs, UTVs, Snowmobiles, Dirt Bikes, Golf Carts, and Personal Watercrafts.New and Used Small RV Loan Rates
Term
APR*
Est. Monthly Payment per $1000
Up to 36 Months
7.75%
$31.23/36 Mos.
Up to 48 Months
8.00%
$24.42/48 Mos.
Up to 60 Months
8.25%
$20.41/60 Mos.
Up to 72 Months
8.50%
$17.79/72 Mos.
Up to 84 Months
9.00%
$16.10/84 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
Enjoy convenient automatic payments through Online Bill Pay, eTransfer, or Payroll Distribution.
You can also make payments via phone at 202-318-1991 or at any branch location.
We accept Mastercard credit cards, as well as Mastercard and Visa debit cards. Card payments offer same-day posting and there is no fee for the service.
Check out our SmartWay .25% Loan Discount on the purchase of a new or used car, or to refinance an existing loan you have elsewhere, for a SmartWay vehicle.
EPFCU participates with trusted outside resources to make your vehicle purchase the best it can be! We have articles, videos, and podcasts chock-full of tips and hints, as well as tools to search the area for the car that fits your preferences. Learn more about Car Buying Resources.
The TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Learn more about TruStage Auto Insurance.
ProofEZ.com: An EZ solution for insurance verification. ProofEZ.com is here to make sure the submission of your insurance verification documents is simple.
GAP Protection protects you against losses if your car is stolen or totaled, and Debt Protection helps if you’re ever injured or disabled and can’t make your loan payment. Both are available when you apply for your loan. Learn more about Loan Protection.
Extended coverage can help you save money if your car ever needs to be repaired and your manufacturer’s warranty has expired. In addition, it could help if you re-sell your vehicle. Learn more about Vehicle Extended Service.
Insurance options outlined on this page are NOT Insured by NCUA; Underwritten, issued or guaranteed by NCUA or any other federal government agency; or Required to purchase as a condition of the loan.
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