Auto Loan Rates in Utica, New York (NY) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Utica, New York. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Utica, New York include GPO Federal Credit UnionGPO Federal Credit Union301 Bleecker St, Utica, NY, 13501A+5.0 ★Texas Ratio: 2.06% offering New Auto Loans (2023-2027) at 3.99%, Mohawk Valley Federal Credit UnionMohawk Valley Federal Credit Union207 Genesee St, Utica, NY, 13501A+5.0 ★Texas Ratio: 1.68% offering New Auto Loans at 4.24%, ONEIDA COUNTYONEIDA COUNTY800 Park Ave, Utica, NY, 13501A+5.0 ★Texas Ratio: 3.11% offering New Automobile at 4.25%, AmeriCU Credit UnionAmeriCU Credit Union224 N Genesee St STE 3, Utica, NY, 13502 2514A-4.9 ★Texas Ratio: 16.15% offering Auto Loan at 5.24%, Adirondack BankAdirondack Bank185 Genesee St, Utica, NY, 13501A5.0 ★Texas Ratio: 10.45% offering New Cars & Trucks 2024, 2025 & 2026 at 6.00%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Utica has 5 local institutions in our database, with auto loan rates as low as 3.99% APR from GPO Federal Credit Union at 301 Bleecker St, Utica, NY, 13501. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Utica, New York. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Utica, New York & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
New Auto Loans (2023-2027)
3.99%
1 to 60
▼
APR3.99%
Term1 to 60
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
New Auto Loans (2023-2027)
4.24%
61 to 66
▼
APR4.24%
Term61 to 66
Last UpdatedMay 7, 2026
Details
As Low As
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
New Automobile
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
New Auto Loans (2023-2027)
4.49%
67 to 72
▼
APR4.49%
Term67 to 72
Last UpdatedMay 7, 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 UpdatedMay 12, 2026
Details
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 UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
4.74%
1 to 60
▼
APR4.74%
Term1 to 60
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
4.99%
24 to 60 months
▼
APR4.99%
Term24 to 60 months
Last UpdatedMay 7, 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
Used Auto Loans - 3-6 years old
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Auto Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
New Automobile
5.25%
49-84
▼
APR5.25%
Term49-84
Last UpdatedMay 12, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
5.49%
67-75
▼
APR5.49%
Term67-75
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
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
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: A / 680-729
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.49%
61 to 66
▼
APR5.49%
Term61 to 66
Last UpdatedMay 7, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Auto Loan
5.49%
49-60
▼
APR5.49%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 12, 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
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.74%
61 to 72 months
▼
APR5.74%
Term61 to 72 months
Last UpdatedMay 7, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Auto Loan
5.74%
61-72
▼
APR5.74%
Term61-72
Last UpdatedMay 12, 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
5.75%
76-84
▼
APR5.75%
Term76-84
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
5.75%
37-48
▼
APR5.75%
Term37-48
Last UpdatedMay 12, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 4, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
6.00%
49-84
▼
APR6.00%
Term49-84
Last UpdatedMay 12, 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
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Auto Loan
6.24%
73-84
▼
APR6.24%
Term73-84
Last UpdatedMay 12, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Used Auto Loan
6.24%
Up to 48
▼
APR6.24%
TermUp to 48
Last UpdatedMay 12, 2026
Details
As Low As
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedMay 4, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 4, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023
6.50%
24 Months
▼
APR6.50%
Term24 Months
Last UpdatedMay 4, 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
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: A / 680-729
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Auto Loan
6.74%
85-96
▼
APR6.74%
Term85-96
Last UpdatedMay 12, 2026
Details
As Low As
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 4, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedMay 4, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
6.84%
76-84
▼
APR6.84%
Term76-84
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 4, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Used Auto Loan
7.24%
61-72
▼
APR7.24%
Term61-72
Last UpdatedMay 12, 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
Used Vehicles 7+ years
7.41%
Up to 48 months
▼
APR7.41%
TermUp to 48 months
Last UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
7.65%
49-60 months
▼
APR7.65%
Term49-60 months
Last UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
7.91%
Up to 48 months
▼
APR7.91%
TermUp to 48 months
Last UpdatedMay 7, 2026
Details
Grade / Score: A / 680-729
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
8.19%
48 Months
▼
APR8.19%
Term48 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: B / 640-679
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
8.24%
76-84
▼
APR8.24%
Term76-84
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
8.39%
49-60 months
▼
APR8.39%
Term49-60 months
Last UpdatedMay 7, 2026
Details
Grade / Score: A / 680-729
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
8.44%
60 Months
▼
APR8.44%
Term60 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: B / 640-679
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Used Auto Loan
8.74%
73-84
▼
APR8.74%
Term73-84
Last UpdatedMay 12, 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
Used Vehicles 7+ years
8.91%
Up to 48 months
▼
APR8.91%
TermUp to 48 months
Last UpdatedMay 7, 2026
Details
Grade / Score: B / 640-679
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
8.94%
72 Months
▼
APR8.94%
Term72 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: B / 640-679
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
Used Automobile (2011-2013)
9.00%
36 Months
▼
APR9.00%
Term36 Months
Last UpdatedMay 12, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
9.34%
48 Months
▼
APR9.34%
Term48 Months
Last UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
9.35%
49-60 months
▼
APR9.35%
Term49-60 months
Last UpdatedMay 7, 2026
Details
Grade / Score: B / 640-679
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
9.44%
84 Months
▼
APR9.44%
Term84 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: B / 640-679
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
9.59%
49-66
▼
APR9.59%
Term49-66
Last UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
9.67%
49-66
▼
APR9.67%
Term49-66
Last UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
9.93%
67-75
▼
APR9.93%
Term67-75
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
10.09%
67-75
▼
APR10.09%
Term67-75
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
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
10.44%
48 Months
▼
APR10.44%
Term48 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: C / 600-639
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
10.69%
60 Months
▼
APR10.69%
Term60 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: C / 600-639
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
11.16%
Up to 48 months
▼
APR11.16%
TermUp to 48 months
Last UpdatedMay 7, 2026
Details
Grade / Score: C / 600-639
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
11.19%
72 Months
▼
APR11.19%
Term72 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: C / 600-639
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
11.40%
49-60 months
▼
APR11.40%
Term49-60 months
Last UpdatedMay 7, 2026
Details
Grade / Score: C / 600-639
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
11.64%
48 Months
▼
APR11.64%
Term48 Months
Last UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
11.89%
49-66
▼
APR11.89%
Term49-66
Last UpdatedMay 7, 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
12.69%
48 Months
▼
APR12.69%
Term48 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: D / 550-599
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
12.94%
60 Months
▼
APR12.94%
Term60 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: D / 550-599
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
13.41%
Up to 48 months
▼
APR13.41%
TermUp to 48 months
Last UpdatedMay 7, 2026
Details
Grade / Score: D / 550-599
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
13.65%
49-60 months
▼
APR13.65%
Term49-60 months
Last UpdatedMay 7, 2026
Details
Grade / Score: D / 550-599
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
15.64%
48 Months
▼
APR15.64%
Term48 Months
Last UpdatedMay 7, 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
15.69%
48 Months
▼
APR15.69%
Term48 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: E / <549
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
15.89%
49-66
▼
APR15.89%
Term49-66
Last UpdatedMay 7, 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
15.94%
60 Months
▼
APR15.94%
Term60 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: E / <549
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Used Auto Loans
15.99%
Up to 66 months
▼
APR15.99%
TermUp to 66 months
Last UpdatedMay 12, 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
Used Vehicles 7+ years
17.25%
Up to 48 months
▼
APR17.25%
TermUp to 48 months
Last UpdatedMay 7, 2026
Details
Grade / Score: E / <549
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Car
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
20 - 21
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 7, 2026
Details
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
3.50%
36 Month
▼
APR3.50%
Term36 Month
Last UpdatedMay 6, 2026
Details
Up To 100% Financing
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedMay 7, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Auto Loan Special
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR3.50%
Term24 months
Last UpdatedMay 12, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Auto (2024 or newer)
3.70%
24 to 84 months
▼
APR3.70%
Term24 to 84 months
Last UpdatedMay 12, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Auto (2019-2023)
3.70%
24 to 72 months
▼
APR3.70%
Term24 to 72 months
Last UpdatedMay 12, 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%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
3.75%
48 Month
▼
APR3.75%
Term48 Month
Last UpdatedMay 6, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Used Car
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
18 - 19
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan: 2021-2027 Model Years
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; For New Models 2026-2022
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
New Vehicle
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedMay 7, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Hudson River Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fixed Rate 36 Month
Hudson River Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
Auto Loans Fixed Rate 36 Month
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fixed Rate 36 Month
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan
3.99%
2 years
▼
APR3.99%
Term2 years
Last UpdatedMay 12, 2026
Details
As Low As; Vehicle Loan
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedMay 12, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 2 years
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR3.99%
Term12-60
Last UpdatedMay 12, 2026
Details
APR3.99%
Term12-24
Last UpdatedMay 12, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.00%
54 Month
▼
APR4.00%
Term54 Month
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedMay 6, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
4.00%
61 - 72 months
▼
APR4.00%
Term61 - 72 months
Last UpdatedMay 7, 2026
Details
APR4.00%
Term36 months
Last UpdatedMay 12, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate 36 Months
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.15%
Term48 months
Last UpdatedMay 12, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan: 2021-2027 Model Years
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.24%
1 - 48
▼
APR4.24%
Term1 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; For New Models 2026-2022
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate 48 Months
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedMay 12, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
Automobiles 2023 - 2026
4.24%
12 Months
▼
APR4.24%
Term12 Months
Last UpdatedMay 12, 2026
Details
APR4.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; 2025 & newer
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.25%
60 Month
▼
APR4.25%
Term60 Month
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedMay 6, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
2023 & Newer Auto Loan
4.25%
5 Years
▼
APR4.25%
Term5 Years
Last UpdatedMay 7, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.25%
1 - 36
▼
APR4.25%
Term1 - 36
Last UpdatedMay 7, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles 1-36 Months A
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 7, 2026
Details
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR4.25%
Term60 months
Last UpdatedMay 12, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 years
▼
APR4.25%
Term2 years
Last UpdatedMay 12, 2026
Details
As Low As; as low as...
APR4.25%
Term25-36
Last UpdatedMay 12, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedMay 7, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
APR4.44%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; 2024 & Older
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan: 2021-2027 Model Years
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Vehicle
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
▼
APR4.49%
Term4 Months
Last UpdatedMay 12, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
Automobiles 2023 - 2026
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Used Car
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
16 - 17
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.50%
66 Month
▼
APR4.50%
Term66 Month
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedMay 6, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
4.50%
73 - 84 months
▼
APR4.50%
Term73 - 84 months
Last UpdatedMay 7, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMay 7, 2026
Details
As Low As; 10% down payment
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2026 - 24
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 12, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
APR4.64%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As; 2024 & Older
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 4, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedMay 7, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; For New Models 2026-2022
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
▼
APR4.74%
Term5 Months
Last UpdatedMay 12, 2026
Details
APR4.74%
Term61-75
Last UpdatedMay 12, 2026
Details
As Low As; 2025 & newer
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Used Auto - 2025-2027
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 4, 2026
Details
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Older Vehicles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 6, 2026
Details
Effective 4/09/26-6/09/26; 2022 and older vehicles rates start at 36 months for 4.75%
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedMay 6, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto
4.75%
0-35
▼
APR4.75%
Term0-35
Last UpdatedMay 7, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto Loan
4.75%
0-35 Months
▼
APR4.75%
Term0-35 Months
Last UpdatedMay 7, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.75%
1 - 36
▼
APR4.75%
Term1 - 36
Last UpdatedMay 7, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles 1-36 Months B
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 7, 2026
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Cars
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Vehicles
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
Auto Loans - Cars, Trucks, and SUVs
4.75%
Up to 24 Months
▼
APR4.75%
TermUp to 24 Months
Last UpdatedMay 7, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2023 - 17
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 12, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 years
▼
APR4.75%
Term3 years
Last UpdatedMay 12, 2026
Details
As Low As; as low as...
CANANDAIGUA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loans - New 2025-2026
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedMay 6, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedMay 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 6, 2026
Details
Auto Payment
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans
4.90%
6 Years
▼
APR4.90%
Term6 Years
Last UpdatedMay 7, 2026
Details
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2026 - 24
4.90%
84 Months
▼
APR4.90%
Term84 Months
Last UpdatedMay 12, 2026
Details
APR4.94%
Term61-75
Last UpdatedMay 12, 2026
Details
As Low As; 2024 & Older
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 6, 2026
Details
Auto Payment
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loans - New 2025-2026
4.95%
72 months
▼
APR4.95%
Term72 months
Last UpdatedMay 6, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMay 4, 2026
Details
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2021-2023
4.99%
1 - 48
▼
APR4.99%
Term1 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.99%
61 - 72
▼
APR4.99%
Term61 - 72
Last UpdatedMay 6, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Used Auto Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Vehicle Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Auto Loan Refinance
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
New Auto Loans (2023-2027)
3.99%
1 to 60
▼
APR3.99%
Term1 to 60
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
New Auto Loans (2023-2027)
4.24%
61 to 66
▼
APR4.24%
Term61 to 66
Last UpdatedMay 7, 2026
Details
As Low As
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
New Automobile
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
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 UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
New Auto Loans (2023-2027)
4.49%
67 to 72
▼
APR4.49%
Term67 to 72
Last UpdatedMay 7, 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 UpdatedMay 12, 2026
Details
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 UpdatedMay 7, 2026
Details
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 UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
New Automobile
5.25%
49-84
▼
APR5.25%
Term49-84
Last UpdatedMay 12, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
5.49%
67-75
▼
APR5.49%
Term67-75
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 12, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
5.75%
76-84
▼
APR5.75%
Term76-84
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
5.75%
37-48
▼
APR5.75%
Term37-48
Last UpdatedMay 12, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026
6.00%
24 Months
▼
APR6.00%
Term24 Months
Last UpdatedMay 4, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
6.00%
49-84
▼
APR6.00%
Term49-84
Last UpdatedMay 12, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedMay 4, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 4, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 4, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
6.84%
76-84
▼
APR6.84%
Term76-84
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
8.24%
76-84
▼
APR8.24%
Term76-84
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
9.34%
48 Months
▼
APR9.34%
Term48 Months
Last UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
9.59%
49-66
▼
APR9.59%
Term49-66
Last UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
9.67%
49-66
▼
APR9.67%
Term49-66
Last UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
9.93%
67-75
▼
APR9.93%
Term67-75
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
10.09%
67-75
▼
APR10.09%
Term67-75
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
11.64%
48 Months
▼
APR11.64%
Term48 Months
Last UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
11.89%
49-66
▼
APR11.89%
Term49-66
Last UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
15.64%
48 Months
▼
APR15.64%
Term48 Months
Last UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
15.89%
49-66
▼
APR15.89%
Term49-66
Last UpdatedMay 7, 2026
Details
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Car
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
20 - 21
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 7, 2026
Details
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
3.50%
36 Month
▼
APR3.50%
Term36 Month
Last UpdatedMay 6, 2026
Details
Up To 100% Financing
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedMay 7, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR3.50%
Term24 months
Last UpdatedMay 12, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Auto (2024 or newer)
3.70%
24 to 84 months
▼
APR3.70%
Term24 to 84 months
Last UpdatedMay 12, 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%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
3.75%
48 Month
▼
APR3.75%
Term48 Month
Last UpdatedMay 6, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan: 2021-2027 Model Years
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; For New Models 2026-2022
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
New Vehicle
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedMay 7, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedMay 12, 2026
Details
APR3.99%
Term12-60
Last UpdatedMay 12, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.00%
54 Month
▼
APR4.00%
Term54 Month
Last UpdatedMay 6, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
4.00%
61 - 72 months
▼
APR4.00%
Term61 - 72 months
Last UpdatedMay 7, 2026
Details
APR4.00%
Term36 months
Last UpdatedMay 12, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate 36 Months
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.15%
Term48 months
Last UpdatedMay 12, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan: 2021-2027 Model Years
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.24%
1 - 48
▼
APR4.24%
Term1 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; For New Models 2026-2022
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate 48 Months
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedMay 12, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.25%
60 Month
▼
APR4.25%
Term60 Month
Last UpdatedMay 6, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
2023 & Newer Auto Loan
4.25%
5 Years
▼
APR4.25%
Term5 Years
Last UpdatedMay 7, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.25%
1 - 36
▼
APR4.25%
Term1 - 36
Last UpdatedMay 7, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles 1-36 Months A
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 7, 2026
Details
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR4.25%
Term60 months
Last UpdatedMay 12, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 years
▼
APR4.25%
Term2 years
Last UpdatedMay 12, 2026
Details
As Low As; as low as...
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan: 2021-2027 Model Years
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
▼
APR4.49%
Term4 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.50%
66 Month
▼
APR4.50%
Term66 Month
Last UpdatedMay 6, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
4.50%
73 - 84 months
▼
APR4.50%
Term73 - 84 months
Last UpdatedMay 7, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMay 7, 2026
Details
As Low As; 10% down payment
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 4, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; For New Models 2026-2022
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
▼
APR4.74%
Term5 Months
Last UpdatedMay 12, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto
4.75%
0-35
▼
APR4.75%
Term0-35
Last UpdatedMay 7, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto Loan
4.75%
0-35 Months
▼
APR4.75%
Term0-35 Months
Last UpdatedMay 7, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.75%
1 - 36
▼
APR4.75%
Term1 - 36
Last UpdatedMay 7, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles 1-36 Months B
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 7, 2026
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Cars
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Vehicles
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedMay 7, 2026
Details
As Low As
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 years
▼
APR4.75%
Term3 years
Last UpdatedMay 12, 2026
Details
As Low As; as low as...
CANANDAIGUA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loans - New 2025-2026
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedMay 6, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedMay 7, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 6, 2026
Details
Auto Payment
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans
4.90%
6 Years
▼
APR4.90%
Term6 Years
Last UpdatedMay 7, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 6, 2026
Details
Auto Payment
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loans - New 2025-2026
4.95%
72 months
▼
APR4.95%
Term72 months
Last UpdatedMay 6, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMay 4, 2026
Details
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.99%
61 - 72
▼
APR4.99%
Term61 - 72
Last UpdatedMay 6, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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 UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
4.74%
1 to 60
▼
APR4.74%
Term1 to 60
Last UpdatedMay 7, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
4.99%
24 to 60 months
▼
APR4.99%
Term24 to 60 months
Last UpdatedMay 7, 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
Used Auto Loans - 3-6 years old
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
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
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: A / 680-729
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.49%
61 to 66
▼
APR5.49%
Term61 to 66
Last UpdatedMay 7, 2026
Details
As Low As
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 12, 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
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.74%
61 to 72 months
▼
APR5.74%
Term61 to 72 months
Last UpdatedMay 7, 2026
Details
As Low As
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
5.75%
37-48
▼
APR5.75%
Term37-48
Last UpdatedMay 12, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
6.00%
49-84
▼
APR6.00%
Term49-84
Last UpdatedMay 12, 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
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Used Auto Loan
6.24%
Up to 48
▼
APR6.24%
TermUp to 48
Last UpdatedMay 12, 2026
Details
As Low As
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023
6.50%
24 Months
▼
APR6.50%
Term24 Months
Last UpdatedMay 4, 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
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: A / 680-729
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedMay 4, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 4, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Used Auto Loan
7.24%
61-72
▼
APR7.24%
Term61-72
Last UpdatedMay 12, 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
Used Vehicles 7+ years
7.41%
Up to 48 months
▼
APR7.41%
TermUp to 48 months
Last UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
7.65%
49-60 months
▼
APR7.65%
Term49-60 months
Last UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
7.91%
Up to 48 months
▼
APR7.91%
TermUp to 48 months
Last UpdatedMay 7, 2026
Details
Grade / Score: A / 680-729
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
8.19%
48 Months
▼
APR8.19%
Term48 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: B / 640-679
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
8.39%
49-60 months
▼
APR8.39%
Term49-60 months
Last UpdatedMay 7, 2026
Details
Grade / Score: A / 680-729
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
8.44%
60 Months
▼
APR8.44%
Term60 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: B / 640-679
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Used Auto Loan
8.74%
73-84
▼
APR8.74%
Term73-84
Last UpdatedMay 12, 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
Used Vehicles 7+ years
8.91%
Up to 48 months
▼
APR8.91%
TermUp to 48 months
Last UpdatedMay 7, 2026
Details
Grade / Score: B / 640-679
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
8.94%
72 Months
▼
APR8.94%
Term72 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: B / 640-679
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
Used Automobile (2011-2013)
9.00%
36 Months
▼
APR9.00%
Term36 Months
Last UpdatedMay 12, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
9.35%
49-60 months
▼
APR9.35%
Term49-60 months
Last UpdatedMay 7, 2026
Details
Grade / Score: B / 640-679
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
9.44%
84 Months
▼
APR9.44%
Term84 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: B / 640-679
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
10.44%
48 Months
▼
APR10.44%
Term48 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: C / 600-639
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
10.69%
60 Months
▼
APR10.69%
Term60 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: C / 600-639
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
11.16%
Up to 48 months
▼
APR11.16%
TermUp to 48 months
Last UpdatedMay 7, 2026
Details
Grade / Score: C / 600-639
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
11.19%
72 Months
▼
APR11.19%
Term72 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: C / 600-639
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
11.40%
49-60 months
▼
APR11.40%
Term49-60 months
Last UpdatedMay 7, 2026
Details
Grade / Score: C / 600-639
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
12.69%
48 Months
▼
APR12.69%
Term48 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: D / 550-599
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
12.94%
60 Months
▼
APR12.94%
Term60 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: D / 550-599
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
13.41%
Up to 48 months
▼
APR13.41%
TermUp to 48 months
Last UpdatedMay 7, 2026
Details
Grade / Score: D / 550-599
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Vehicles 7+ years
13.65%
49-60 months
▼
APR13.65%
Term49-60 months
Last UpdatedMay 7, 2026
Details
Grade / Score: D / 550-599
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
15.69%
48 Months
▼
APR15.69%
Term48 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: E / <549
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
15.94%
60 Months
▼
APR15.94%
Term60 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: E / <549
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Used Auto Loans
15.99%
Up to 66 months
▼
APR15.99%
TermUp to 66 months
Last UpdatedMay 12, 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
Used Vehicles 7+ years
17.25%
Up to 48 months
▼
APR17.25%
TermUp to 48 months
Last UpdatedMay 7, 2026
Details
Grade / Score: E / <549
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedMay 7, 2026
Details
As Low As
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Auto (2019-2023)
3.70%
24 to 72 months
▼
APR3.70%
Term24 to 72 months
Last UpdatedMay 12, 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%
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Used Car
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
18 - 19
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMay 7, 2026
Details
APR3.99%
Term12-24
Last UpdatedMay 12, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedMay 6, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedMay 6, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 years
▼
APR4.25%
Term2 years
Last UpdatedMay 12, 2026
Details
As Low As; as low as...
APR4.25%
Term25-36
Last UpdatedMay 12, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedMay 7, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Used Car
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
16 - 17
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedMay 6, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Used Auto - 2025-2027
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 4, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedMay 6, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 years
▼
APR4.75%
Term3 years
Last UpdatedMay 12, 2026
Details
As Low As; as low as...
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedMay 7, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
NEW or USED vehicles
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Used Auto Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
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MonitorBankRates
Utica, NY Auto Loan Rate Trends
Compare local Utica, NY 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
5.645%
▼ 0.008 vs 7 days ago
New York new auto rates fell 0.008 points over the past 7 days to 5.645% APR.
Used Auto Loan — NY Avg
6.615%
▲ 0.142 vs 7 days ago
New York used auto rates rose 0.142 points over the past 7 days to 6.615% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Utica, 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 Utica, 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 Utica, 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 Utica, New York?
Based on our current data, some of the lowest auto loan rates available in Utica, New York include:
- GPO Federal Credit Union: 3.99% (New Auto Loans (2023-2027))
- Mohawk Valley Federal Credit Union: 4.24% (New Auto Loans)
- ONEIDA COUNTY: 4.25% (New Automobile)
- AmeriCU Credit Union: 5.24% (Auto Loan)
- Adirondack Bank: 6.00% (New Cars & Trucks 2024, 2025 & 2026)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Utica, New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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