The SMART Federal Credit Union is a auto loan from SMART Federal Credit Union. The ongoing APR is As low as: 5.74% APR (1 - 36 months), 5.99% (37 - 60), 6.24% (61 - 72), 6.69% (73 - 84); effective as of October 2026; 0.25% relationship discount for members with current or past loans. Loan terms: Terms up to 84 months (1 - 36, 37 - 60, 61 - 72, 73 - 84 months).