Citadel Credit Union
Citadel Credit Union — published rates as low as 5.74% APR for refinancing newer used vehicles.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Citadel Credit Union does not publish this on their public site. "No restriction" means Citadel Credit Union explicitly states no limit.
Overview
Citadel Credit Union refinances auto loans from other financial institutions, advertising rates as low as 5.74% APR for 2022-2026 model years. Loan amounts run from $7,500 to $75,000, and vehicles must be no older than 10 years with an established resale value.…
What’s great
- Rates as low as 5.74% APR for 2022-2026 model years
- Loan amounts from $7,500 to $75,000
- Membership open across seven states
What to know
- Vehicles older than 10 years are not eligible
- Recent delinquency or other material credit changes within 90 days disqualify applicants
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.74% — minimum only; full range not published |
| Maximum vehicle age | 10 years |
| Maximum mileage | Not disclosed |
| Loan amount range | $7,500 – $75,000 |
| Term length | Not disclosed |
| States served | 7 states |
| Membership requirement | Open to residents and businesses in Pennsylvania, Delaware, Ohio, New Jersey, New York, Maryland, and West Virginia; also available to Select Employee Groups and family members. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Citadel Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Citadel Credit Union before applying.
- [1]Auto Refinance — Citadel Credit Unionhttps://www.citadelbanking.com/borrow/auto-refinanceLast checked: October 2026
- [2]Who Can Join? — Citadel Credit Unionhttps://www.citadelbanking.com/membershipLast checked: October 2026