NASA Federal Auto & RV Loans — Rates & Financing
NASA Federal Auto & RV Loans finance new and used cars, RVs and boats for members nationwide, with rates as low as 4.69% APR and a 90-day first-payment option. NASA Federal Credit Union (NASA FCU) is a not-for-profit cooperative chartered in 1949 and based in Upper Marlboro, Maryland. This is an independent member guide, not the official site — all applications are completed on the official NASA Federal website.
As a member-owned cooperative, NASA Federal prices its vehicle loans to return value to members rather than shareholders. That covers new and used auto purchases, recreational financing for RVs and boats, and refinancing an existing loan from another lender. This page explains each option and links you to apply in the right place.
NASA Federal auto & RV rates at a glance
View all rates & feesVehicle financing options
New Auto
Finance a new car, truck or SUV as low as 4.69% APR with fast decisions and flexible terms.
Used Auto
Competitive used-vehicle rates so members buying pre-owned pay the same low pricing available on new cars.
RV & Motorhome
Recreational financing for travel trailers, motorhomes and campers, with terms matched to the loan amount.
Boat & Marine
Loans for boats and personal watercraft, so members can finance time on the water alongside their vehicles.
Auto Refinance
Move an existing loan from another lender to NASA Federal to lower your rate or monthly payment.
90-Day Deferral
Qualified borrowers can defer the first payment for up to 90 days after closing to ease the transition.
Why finance a vehicle with NASA Federal
Credit unions consistently price auto loans below the market average because they are not-for-profit and return earnings to members. NASA Federal Credit Union combines that structure with a 90-day first-payment option and refinance lending that can cut the rate on a loan carried over from a dealer or bank. Deposits and the cooperative are federally supervised; you can review credit union background on the official NCUA site.
NASA Federal by the numbers
NASA FCU has served members since 1949 and now reports roughly $5.8 billion in assets across more than 238,000 members and 13 branches — scale that supports low, consistent vehicle pricing nationwide.
Pre-approval turns you into a cash buyer
Getting pre-approved before you shop is the single biggest advantage a NASA Federal auto loan offers. You walk onto the lot knowing your rate and budget, which removes the pressure to accept dealer financing that is often marked up. The same low pricing applies to used cars, RVs and boats, and if you already carry a higher-rate loan from a dealer or bank, auto refinance can move it to the credit union and cut the monthly payment. The 90-day first-payment option then gives new borrowers room to settle in.
Talk to NASA Federal
Get pre-approved, finance a vehicle or refinance an existing loan on the official credit union site.
Member support: 1-888-627-2328
How to apply for a NASA Federal auto loan
- Join the credit union — membership is open nationwide, so almost anyone can qualify.
- Decide between a new, used, RV or boat loan, or a refinance of an existing loan.
- Get pre-approved so you can shop with a firm budget and negotiate as a cash buyer.
- Ask about the 90-day first-payment option if you want breathing room after closing.
- Complete the application and sign-in only on the official NASA Federal website.
Ready to finance a vehicle? Apply on the official NASA Federal site. New to the credit union? Start with membership, then compare full pricing on the rates and fees page. Financing a home too? See NASA Federal mortgages. For everyday borrowing, review personal loans and credit cards.
NASA Federal auto & RV loans — FAQ
- What are current NASA Federal auto loan rates?
- NASA Federal Credit Union advertises new and used auto loans as low as 4.69% APR for qualified borrowers. Your actual rate depends on term, credit and vehicle. Verify current pricing on the official site.
- Does NASA Federal finance RVs and boats?
- Yes. NASA FCU offers recreational financing for RVs, motorhomes and boats alongside its standard new and used auto loans, with terms set by the loan amount.
- What is the 90-day first-payment option?
- On many NASA Federal auto loans, qualified borrowers can defer the first payment for up to 90 days after closing, which helps ease the transition when buying or refinancing a vehicle.
- Can I refinance my car loan with NASA Federal?
- Yes. NASA Federal offers auto refinance that can lower your rate or monthly payment by moving an existing loan from another lender to the credit union.
- Do I have to work for NASA to get an auto loan?
- No. Membership is open nationwide through partner associations, employer groups and family relationships, so you do not need to work for NASA to apply for financing.