Auto Loan Rates in New York (NY) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in New York. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in New York include SUNY Fredonia Federal Credit UnionSUNY Fredonia Federal Credit Union280 CENTRAL AVE, FREDONIA, NY, 14063 1127A+5.0 ★Texas Ratio: 0.82% offering New Vehicle Loans 2024 or Newer (A+, A Credit Scores) at 1.90%, Triboro Postal Federal Credit UnionTriboro Postal Federal Credit Union14202 20th Ave, Flushing, NY, 11351 3000A+5.0 ★Texas Ratio: 0.76% offering New Car at 2.25%, Baxter Credit UnionBaxter Credit Union300 Crosspoint Pkwy, Getzville, NY, 14068 1606A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, MAMTA Federal Credit UnionMAMTA Federal Credit Union1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328A+5.0 ★Texas Ratio: 0.02% offering New & Used Cars at 3.50%, Afgm Enterprises Federal Credit UnionAfgm Enterprises Federal Credit Union132 Cayuga Rd, Cheektowaga, NY, 14225A+5.0 ★Texas Ratio: 4.71% offering New Auto / Truck at 3.50%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across New York side-by-side. New York auto loan rates currently start as low as 1.90% APR from SUNY Fredonia Federal Credit Union at 280 CENTRAL AVE, FREDONIA, NY, 14063 1127. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in New York. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in New York
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
New Vehicle Loans 2024 or Newer (A+, A Credit Scores)
1.90%
1-5 Years
▼
APR1.90%
Term1-5 Years
Last UpdatedApr 18, 2026
Details
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
New Car
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
20 - 21
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedApr 18, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Auto Loan Special
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
3.50%
24 months
▼
APR3.50%
Term24 months
Last UpdatedApr 19, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
New Auto (2024 or newer)
3.70%
24 to 84 months
▼
APR3.70%
Term24 to 84 months
Last UpdatedApr 19, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
Used Auto (2019-2023)
3.70%
24 to 72 months
▼
APR3.70%
Term24 to 72 months
Last UpdatedApr 19, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Used or Refi Vehicle Loans 2024 - 2014
3.90%
1-4 Years
▼
APR3.90%
Term1-4 Years
Last UpdatedApr 18, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
18 - 19
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
20 Wade Rd, Latham, NY, 12110 3520
Auto Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Rate as low as 3.99% APR for up to 60 months on 2022 and newer vehicles. Rate includes 0.25% Auto Pay discount with automatic payment. Rates and approval based on creditworthiness. No minimum loan amount. Purchase and refinance eligible. Membership required. Offer ends April 30, 2026.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
545 E 2nd St, Jamestown, NY, 14701
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
3.99%
1 to 60
▼
APR3.99%
Term1 to 60
Last UpdatedApr 18, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedApr 19, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
New Auto Loans
3.99%
12-60
▼
APR3.99%
Term12-60
Last UpdatedApr 19, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
3.99%
12-24
▼
APR3.99%
Term12-24
Last UpdatedApr 19, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedApr 18, 2026
Details
Up To 100% Financing
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.00%
61 - 72 months
▼
APR4.00%
Term61 - 72 months
Last UpdatedApr 18, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedApr 19, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.15%
48 months
▼
APR4.15%
Term48 months
Last UpdatedApr 19, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.24%
1 - 48
▼
APR4.24%
Term1 - 48
Last UpdatedApr 18, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
4.24%
61 to 66
▼
APR4.24%
Term61 to 66
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2023 - 2026
4.24%
12 Months
▼
APR4.24%
Term12 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
New Automobiles
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023 - 2026 - 60 months
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1201 Wayne St, Olean, NY, 14760
Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2025 & newer
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedApr 18, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
2023 & Newer Auto Loan
4.25%
5 Years
▼
APR4.25%
Term5 Years
Last UpdatedApr 18, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Auto Loan
4.25%
1-36
▼
APR4.25%
Term1-36
Last UpdatedApr 18, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles
4.25%
1 - 36
▼
APR4.25%
Term1 - 36
Last UpdatedApr 18, 2026
Details
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedApr 19, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
New Automobile
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
4.25%
25-36
▼
APR4.25%
Term25-36
Last UpdatedApr 19, 2026
Details
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1201 Wayne St, Olean, NY, 14760
Auto Loan
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2024 & Older
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
65 WRIGHT CIR, AUBURN, NY, 13021 3135
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedApr 18, 2026
Details
As Low As
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
1178 NYS Route 9N, Ticonderoga, NY, 12883 3106
Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
4.49%
49-66
▼
APR4.49%
Term49-66
Last UpdatedApr 18, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Auto Loans - 3-6 years old
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
Grade / Score: A+ / 730+
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
4.49%
67 to 72
▼
APR4.49%
Term67 to 72
Last UpdatedApr 18, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedApr 18, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
▼
APR4.49%
Term4 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2023 - 2026
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedApr 19, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
16 - 17
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedApr 18, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
110 John Muir Dr, Amherst, NY, 14228 1148
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
110 John Muir Dr, Amherst, NY, 14228 1148
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.50%
73 - 84 months
▼
APR4.50%
Term73 - 84 months
Last UpdatedApr 18, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
215 2nd Ave, New York, NY, 10003
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedApr 18, 2026
Details
As Low As; 10% down payment
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loans 2026 - 24
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
New Automobile
4.50%
37-48
▼
APR4.50%
Term37-48
Last UpdatedApr 19, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1201 Wayne St, Olean, NY, 14760
Auto Loan
4.64%
49-60
▼
APR4.64%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As; 2024 & Older
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 16, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 2508
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedApr 18, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Used Auto Loans (2019-2022)
4.74%
1 to 60
▼
APR4.74%
Term1 to 60
Last UpdatedApr 18, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
▼
APR4.74%
Term5 Months
Last UpdatedApr 19, 2026
Details
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1201 Wayne St, Olean, NY, 14760
Auto Loan
4.74%
61-75
▼
APR4.74%
Term61-75
Last UpdatedApr 19, 2026
Details
As Low As; 2025 & newer
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Used Auto - 2025-2027
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 16, 2026
Details
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
2022 and older vehicles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
545 E 2nd St, Jamestown, NY, 14701
Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedApr 18, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.75%
48 Month
▼
APR4.75%
Term48 Month
Last UpdatedApr 18, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY, 12901
New Auto
4.75%
0-35
▼
APR4.75%
Term0-35
Last UpdatedApr 18, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY, 12901
New Auto Loan
4.75%
0-35 Months
▼
APR4.75%
Term0-35 Months
Last UpdatedApr 18, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Auto Loan
4.75%
1-36
▼
APR4.75%
Term1-36
Last UpdatedApr 18, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles
4.75%
1 - 36
▼
APR4.75%
Term1 - 36
Last UpdatedApr 18, 2026
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
New Cars
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
New Vehicles
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Auto Loans - Cars, Trucks, and SUVs
4.75%
Up to 24 Months
▼
APR4.75%
TermUp to 24 Months
Last UpdatedApr 18, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loans 2023 - 17
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
CANANDAIGUA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
3210 Eastern Blvd, Canandaigua, NY, 14424
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Auto Loans - New 2025-2026
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedApr 18, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedApr 18, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
108 2nd Ave, New York, NY, 10003 8302
Auto Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Auto Loan
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
New Vehicle Loans
4.90%
6 Years
▼
APR4.90%
Term6 Years
Last UpdatedApr 18, 2026
Details
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Used or Refi Vehicle Loans
4.90%
5-6 Years
▼
APR4.90%
Term5-6 Years
Last UpdatedApr 18, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loans 2026 - 24
4.90%
84 Months
▼
APR4.90%
Term84 Months
Last UpdatedApr 19, 2026
Details
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1201 Wayne St, Olean, NY, 14760
Auto Loan
4.94%
61-75
▼
APR4.94%
Term61-75
Last UpdatedApr 19, 2026
Details
As Low As; 2024 & Older
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Auto Loans - New 2025-2026
4.95%
72 months
▼
APR4.95%
Term72 months
Last UpdatedApr 18, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedApr 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 16, 2026
Details
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
65 WRIGHT CIR, AUBURN, NY, 13021 3135
Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
UGEFCU
Institution Rating:
A+5.0 ★
215 Old Campion Rd, New Hartford, NY, 13413 4953
New Vehicle
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Auto Loan
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedApr 17, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2021-2023
4.99%
1 - 48
▼
APR4.99%
Term1 - 48
Last UpdatedApr 18, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.99%
61 - 72
▼
APR4.99%
Term61 - 72
Last UpdatedApr 18, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
545 E 2nd St, Jamestown, NY, 14701
Used Auto Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
545 E 2nd St, Jamestown, NY, 14701
Vehicle Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
108 2nd Ave, New York, NY, 10003 8302
Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 2508
Auto Loans
4.99%
3-Year
▼
APR4.99%
Term3-Year
Last UpdatedApr 18, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 2508
Up To 3-Year Auto Loan
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedApr 18, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
Used Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; For Used Models 2021-2017
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
New Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
27 Seneca St, Geneva, NY, 14456 3502
New Auto (2025 & newer)
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
4.99%
67-75
▼
APR4.99%
Term67-75
Last UpdatedApr 18, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedApr 18, 2026
Details
As Low As
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Auto Loans - Cars, Trucks, and SUVs
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1795 English Rd, Rochester, NY, 14616
New Automobile Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Max Term: up to 48 months, Max Amount: $65,000
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
New Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Used Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
138 Factory St, Watertown, NY, 13601 1958
Auto Loan
4.99%
48-months
▼
APR4.99%
Term48-months
Last UpdatedApr 19, 2026
Details
As Low As
Northern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
138 Factory St, Watertown, NY, 13601 1958
Auto Loans
4.99%
48-months
▼
APR4.99%
Term48-months
Last UpdatedApr 19, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 6 Year Loan (2023 and Newer)
4.99%
6 Months
▼
APR4.99%
Term6 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2020 - 2022
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2023 - 2026
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Used Automobiles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2020-2022 - 60 months
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
4.99%
37-60
▼
APR4.99%
Term37-60
Last UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Auto Loans
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedApr 19, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.89%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Same rate on NEW or USED vehicles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Adirondack Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
280 Park St, Tupper Lake, NY, 12986 1909
New Vehicles
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
5.00%
66 Month
▼
APR5.00%
Term66 Month
Last UpdatedApr 18, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
5.00%
54 Month
▼
APR5.00%
Term54 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
110 John Muir Dr, Amherst, NY, 14228 1148
Used Cars (Model Years 2023-2021)
5.00%
36-48 Months
▼
APR5.00%
Term36-48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1321 Pittsford Mendon Rd, Mendon, NY, 14506 9733
New & Used Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
New Auto
5.00%
0-35 Months
▼
APR5.00%
Term0-35 Months
Last UpdatedApr 18, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
2023 & Newer Auto Loan
5.00%
6 Years
▼
APR5.00%
Term6 Years
Last UpdatedApr 18, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Auto Loan
5.00%
37-60
▼
APR5.00%
Term37-60
Last UpdatedApr 18, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles
5.00%
37 - 60
▼
APR5.00%
Term37 - 60
Last UpdatedApr 18, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2020 and older
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedApr 18, 2026
Details
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loans 2016 - 13
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedApr 19, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedApr 19, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
Used auto loans
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedApr 19, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Used Auto - 2025-2027
5.07%
66 Months
▼
APR5.07%
Term66 Months
Last UpdatedApr 16, 2026
Details
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loans 2023 - 17
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles
5.13%
3 years
▼
APR5.13%
Term3 years
Last UpdatedApr 18, 2026
Details
As Low As
Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
736 Franklin Ave, Garden City, NY, 11530
New Auto (up to 90 % LTV)
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Auto Loan
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
Used Vehicle - fixed rate
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedApr 17, 2026
Details
Billing
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
2022-2020 Auto Loan
5.15%
5 Years
▼
APR5.15%
Term5 Years
Last UpdatedApr 18, 2026
Details
Up to 100% NADA + Tax + Warranty
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
Used Autos (3 Years and Older)
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027
5.17%
72 Months
▼
APR5.17%
Term72 Months
Last UpdatedApr 16, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles
5.18%
5 years
▼
APR5.18%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
108 2nd Ave, New York, NY, 10003 8302
Auto Loan
5.19%
75 Months
▼
APR5.19%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
14 Talmadge Ct, Monroe, NY, 10950 1526
New Autos
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
CHEN DEL O
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
114 MAIN ST, FRANKLIN, NY, 13775
Vehicle Loan 2025 - New
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedApr 19, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedApr 17, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2018 & newer)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Auto Loans - Cars, Trucks, and SUVs
5.23%
49 to 60 Months
▼
APR5.23%
Term49 to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
65 WRIGHT CIR, AUBURN, NY, 13021 3135
Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Auto Loan
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedApr 17, 2026
Details
As Low As; *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary.
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2021-2023
5.24%
49 - 60
▼
APR5.24%
Term49 - 60
Last UpdatedApr 18, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 2508
Auto Loans
5.24%
4-Year
▼
APR5.24%
Term4-Year
Last UpdatedApr 18, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
Used Auto Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; For Used Models 2021-2017
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
New Vehicle Loans 2024 or Newer (A+, A Credit Scores)
1.90%
1-5 Years
▼
APR1.90%
Term1-5 Years
Last UpdatedApr 18, 2026
Details
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
New Car
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
20 - 21
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedApr 18, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
3.50%
24 months
▼
APR3.50%
Term24 months
Last UpdatedApr 19, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
New Auto (2024 or newer)
3.70%
24 to 84 months
▼
APR3.70%
Term24 to 84 months
Last UpdatedApr 19, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
3.99%
1 to 60
▼
APR3.99%
Term1 to 60
Last UpdatedApr 18, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedApr 19, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
New Auto Loans
3.99%
12-60
▼
APR3.99%
Term12-60
Last UpdatedApr 19, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedApr 18, 2026
Details
Up To 100% Financing
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.00%
61 - 72 months
▼
APR4.00%
Term61 - 72 months
Last UpdatedApr 18, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedApr 19, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.15%
48 months
▼
APR4.15%
Term48 months
Last UpdatedApr 19, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.24%
1 - 48
▼
APR4.24%
Term1 - 48
Last UpdatedApr 18, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
4.24%
61 to 66
▼
APR4.24%
Term61 to 66
Last UpdatedApr 18, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
New Automobiles
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023 - 2026 - 60 months
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedApr 18, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
2023 & Newer Auto Loan
4.25%
5 Years
▼
APR4.25%
Term5 Years
Last UpdatedApr 18, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles
4.25%
1 - 36
▼
APR4.25%
Term1 - 36
Last UpdatedApr 18, 2026
Details
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedApr 19, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
New Automobile
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
4.49%
49-66
▼
APR4.49%
Term49-66
Last UpdatedApr 18, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
4.49%
67 to 72
▼
APR4.49%
Term67 to 72
Last UpdatedApr 18, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
▼
APR4.49%
Term4 Months
Last UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
110 John Muir Dr, Amherst, NY, 14228 1148
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
110 John Muir Dr, Amherst, NY, 14228 1148
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.50%
73 - 84 months
▼
APR4.50%
Term73 - 84 months
Last UpdatedApr 18, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
215 2nd Ave, New York, NY, 10003
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedApr 18, 2026
Details
As Low As; 10% down payment
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
New Automobile
4.50%
37-48
▼
APR4.50%
Term37-48
Last UpdatedApr 19, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 16, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
▼
APR4.74%
Term5 Months
Last UpdatedApr 19, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedApr 18, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY, 12901
New Auto
4.75%
0-35
▼
APR4.75%
Term0-35
Last UpdatedApr 18, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY, 12901
New Auto Loan
4.75%
0-35 Months
▼
APR4.75%
Term0-35 Months
Last UpdatedApr 18, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles
4.75%
1 - 36
▼
APR4.75%
Term1 - 36
Last UpdatedApr 18, 2026
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
New Cars
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
New Vehicles
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
CANANDAIGUA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
3210 Eastern Blvd, Canandaigua, NY, 14424
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Auto Loans - New 2025-2026
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedApr 18, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
New Vehicle Loans
4.90%
6 Years
▼
APR4.90%
Term6 Years
Last UpdatedApr 18, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Auto Loans - New 2025-2026
4.95%
72 months
▼
APR4.95%
Term72 months
Last UpdatedApr 18, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedApr 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 16, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★
215 Old Campion Rd, New Hartford, NY, 13413 4953
New Vehicle
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.99%
61 - 72
▼
APR4.99%
Term61 - 72
Last UpdatedApr 18, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
New Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
27 Seneca St, Geneva, NY, 14456 3502
New Auto (2025 & newer)
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
4.99%
67-75
▼
APR4.99%
Term67-75
Last UpdatedApr 18, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedApr 18, 2026
Details
As Low As
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1795 English Rd, Rochester, NY, 14616
New Automobile Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Max Term: up to 48 months, Max Amount: $65,000
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
New Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 6 Year Loan (2023 and Newer)
4.99%
6 Months
▼
APR4.99%
Term6 Months
Last UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Same rate on NEW or USED vehicles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Adirondack Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
280 Park St, Tupper Lake, NY, 12986 1909
New Vehicles
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
5.00%
66 Month
▼
APR5.00%
Term66 Month
Last UpdatedApr 18, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1321 Pittsford Mendon Rd, Mendon, NY, 14506 9733
New & Used Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
New Auto
5.00%
0-35 Months
▼
APR5.00%
Term0-35 Months
Last UpdatedApr 18, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
2023 & Newer Auto Loan
5.00%
6 Years
▼
APR5.00%
Term6 Years
Last UpdatedApr 18, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles
5.00%
37 - 60
▼
APR5.00%
Term37 - 60
Last UpdatedApr 18, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedApr 19, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles
5.13%
3 years
▼
APR5.13%
Term3 years
Last UpdatedApr 18, 2026
Details
As Low As
Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
736 Franklin Ave, Garden City, NY, 11530
New Auto (up to 90 % LTV)
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedApr 17, 2026
Details
Billing
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027
5.17%
72 Months
▼
APR5.17%
Term72 Months
Last UpdatedApr 16, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles
5.18%
5 years
▼
APR5.18%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
14 Talmadge Ct, Monroe, NY, 10950 1526
New Autos
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
CHEN DEL O
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
114 MAIN ST, FRANKLIN, NY, 13775
Vehicle Loan 2025 - New
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedApr 19, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedApr 17, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2018 & newer)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
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Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
Used Auto (2019-2023)
3.70%
24 to 72 months
▼
APR3.70%
Term24 to 72 months
Last UpdatedApr 19, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Used or Refi Vehicle Loans 2024 - 2014
3.90%
1-4 Years
▼
APR3.90%
Term1-4 Years
Last UpdatedApr 18, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
18 - 19
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
3.99%
12-24
▼
APR3.99%
Term12-24
Last UpdatedApr 19, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
4.25%
25-36
▼
APR4.25%
Term25-36
Last UpdatedApr 19, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Auto Loans - 3-6 years old
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
Grade / Score: A+ / 730+
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 18, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
16 - 17
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
110 John Muir Dr, Amherst, NY, 14228 1148
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
110 John Muir Dr, Amherst, NY, 14228 1148
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Used Auto Loans (2019-2022)
4.74%
1 to 60
▼
APR4.74%
Term1 to 60
Last UpdatedApr 18, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Used Auto - 2025-2027
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 16, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.75%
48 Month
▼
APR4.75%
Term48 Month
Last UpdatedApr 18, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedApr 18, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Used or Refi Vehicle Loans
4.90%
5-6 Years
▼
APR4.90%
Term5-6 Years
Last UpdatedApr 18, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
545 E 2nd St, Jamestown, NY, 14701
Used Auto Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
Used Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; For Used Models 2021-2017
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedApr 18, 2026
Details
As Low As
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Used Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Used Automobiles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2020-2022 - 60 months
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
4.99%
37-60
▼
APR4.99%
Term37-60
Last UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Same rate on NEW or USED vehicles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
5.00%
54 Month
▼
APR5.00%
Term54 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
110 John Muir Dr, Amherst, NY, 14228 1148
Used Cars (Model Years 2023-2021)
5.00%
36-48 Months
▼
APR5.00%
Term36-48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1321 Pittsford Mendon Rd, Mendon, NY, 14506 9733
New & Used Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2020 and older
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedApr 18, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
Used auto loans
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedApr 19, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Used Auto - 2025-2027
5.07%
66 Months
▼
APR5.07%
Term66 Months
Last UpdatedApr 16, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles
5.13%
3 years
▼
APR5.13%
Term3 years
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
Used Vehicle - fixed rate
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
Used Autos (3 Years and Older)
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles
5.18%
5 years
▼
APR5.18%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2018 & newer)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
Used Auto Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; For Used Models 2021-2017
Powered by
MonitorBankRates
New York Auto Loan Rate Trends
Compare local New York auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — NY Avg
5.533%
▼ 0.129 vs 7 days ago
New York new auto rates fell 0.129 points over the past 7 days to 5.533% APR.
Used Auto Loan — NY Avg
6.551%
▼ 0.037 vs 7 days ago
New York used auto rates fell 0.037 points over the past 7 days to 6.551% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in New York
How does my credit score affect my car loan rate in New York?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in New York with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in New York *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in New York typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in New York?
Based on our current data, some of the lowest auto loan rates available in New York include:
- SUNY Fredonia Federal Credit Union: 1.90% (New Vehicle Loans 2024 or Newer (A+, A Credit Scores))
- Triboro Postal Federal Credit Union: 2.25% (New Car)
- Baxter Credit Union: 3.24% (Auto Loans)
- MAMTA Federal Credit Union: 3.50% (New & Used Cars)
- Afgm Enterprises Federal Credit Union: 3.50% (New Auto / Truck)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Auto Loan Rates by City in New York
Rate Assistant
MonitorBankRates.com · Live Data
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