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Auto Loan Rates in Utica, New York (NY) for April 2026

Content reviewed by
Brian McKay 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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| i Editorial Disclosure
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.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 22, 2026

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%, First Source Federal Credit UnionFirst Source Federal Credit Union1634 Genesee St, Utica, NY, 13502 5428A5.0 ★Texas Ratio: 8.13% offering Auto Loan at 4.99%, 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%. Auto loan rates as of April 22, 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: April 22, 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
View
▼
APR3.99%
Term1 to 60
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
View
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR4.24%
Term61 to 66
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
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
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
New Auto Loans
4.49%
49-66
View
▼
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
View
▼
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%
301 Bleecker St, Utica, NY, 13501
New Auto Loans (2023-2027)
4.49%
67 to 72
View
▼
APR4.49%
Term67 to 72
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
View
▼
APR4.50%
Term37-48
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
New Auto Loans
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR4.74%
Term1 to 60
Last UpdatedApr 18, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
4.99%
12 Months
View
▼
APR4.99%
Term12 Months
Last UpdatedApr 17, 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
View
▼
APR4.99%
Term67-75
Last UpdatedApr 18, 2026
Details

Min amt financed of $20,000 for terms ? 67 months

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 17, 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
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 18, 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
View
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 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
View
▼
APR5.25%
Term49-84
Last UpdatedApr 19, 2026
Details

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 17, 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
5.49%
67-75
View
▼
APR5.49%
Term67-75
Last UpdatedApr 18, 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
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR5.49%
Term61 to 66
Last UpdatedApr 18, 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
View
▼
APR5.49%
Term49-60
Last UpdatedApr 19, 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
View
▼
APR5.50%
Term36 Months
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
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedApr 18, 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
5.74%
61-72
View
▼
APR5.74%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
5.75%
12 Months
View
▼
APR5.75%
Term12 Months
Last UpdatedApr 17, 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
View
▼
APR5.75%
Term76-84
Last UpdatedApr 18, 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
View
▼
APR5.75%
Term37-48
Last UpdatedApr 19, 2026
Details

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
5.85%
36 Months
View
▼
APR5.85%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
5.95%
48 Months
View
▼
APR5.95%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 17, 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)
6.00%
49-84
View
▼
APR6.00%
Term49-84
Last UpdatedApr 19, 2026
Details

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
6.05%
60 Months
View
▼
APR6.05%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
6.24%
96 Months
View
▼
APR6.24%
Term96 Months
Last UpdatedApr 17, 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
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 18, 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
View
▼
APR6.24%
Term73-84
Last UpdatedApr 19, 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%
48 Months
View
▼
APR6.24%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 months

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
6.30%
72 Months
View
▼
APR6.30%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
6.54%
120 Months
View
▼
APR6.54%
Term120 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
6.55%
84 Months
View
▼
APR6.55%
Term84 Months
Last UpdatedApr 17, 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
6.74%
84 Months
View
▼
APR6.74%
Term84 Months
Last UpdatedApr 18, 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
View
▼
APR6.74%
Term85-96
Last UpdatedApr 19, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
6.80%
96 Months
View
▼
APR6.80%
Term96 Months
Last UpdatedApr 17, 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
6.84%
76-84
View
▼
APR6.84%
Term76-84
Last UpdatedApr 18, 2026
Details

Min amt financed of $20,000 for terms ? 67 months

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
7.05%
108 Months
View
▼
APR7.05%
Term108 Months
Last UpdatedApr 17, 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
7.24%
72 Months
View
▼
APR7.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; 61-72 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
7.41%
Up to 48 months
View
▼
APR7.41%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details

Grade / Score: A+ / 730+

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
7.54%
180 Months
View
▼
APR7.54%
Term180 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
7.55%
120 Months
View
▼
APR7.55%
Term120 Months
Last UpdatedApr 17, 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
7.65%
49-60 months
View
▼
APR7.65%
Term49-60 months
Last UpdatedApr 18, 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
View
▼
APR7.91%
TermUp to 48 months
Last UpdatedApr 18, 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
View
▼
APR8.19%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR8.24%
Term76-84
Last UpdatedApr 18, 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
View
▼
APR8.39%
Term49-60 months
Last UpdatedApr 18, 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
View
▼
APR8.44%
Term60 Months
Last UpdatedApr 18, 2026
Details

Grade / Score: B / 640-679

First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
1634 Genesee St, Utica, NY, 13502 5428
Auto Loan
8.55%
180 Months
View
▼
APR8.55%
Term180 Months
Last UpdatedApr 17, 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
8.74%
84 Months
View
▼
APR8.74%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; 73-84 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
8.91%
Up to 48 months
View
▼
APR8.91%
TermUp to 48 months
Last UpdatedApr 18, 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
View
▼
APR8.94%
Term72 Months
Last UpdatedApr 18, 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
View
▼
APR9.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Auto Loan
9.24%
Up to 24
View
▼
APR9.24%
TermUp to 24
Last UpdatedApr 19, 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
9.34%
48 Months
View
▼
APR9.34%
Term48 Months
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 Vehicles 7+ years
9.35%
49-60 months
View
▼
APR9.35%
Term49-60 months
Last UpdatedApr 18, 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
View
▼
APR9.44%
Term84 Months
Last UpdatedApr 18, 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
View
▼
APR9.59%
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
New Auto Loans
9.67%
49-66
View
▼
APR9.67%
Term49-66
Last UpdatedApr 18, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Auto Loan
9.74%
25-36
View
▼
APR9.74%
Term25-36
Last UpdatedApr 19, 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
9.93%
67-75
View
▼
APR9.93%
Term67-75
Last UpdatedApr 18, 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
View
▼
APR10.09%
Term67-75
Last UpdatedApr 18, 2026
Details

Min amt financed of $20,000 for terms ? 67 months

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Auto Loan
10.24%
37-48
View
▼
APR10.24%
Term37-48
Last UpdatedApr 19, 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
10.44%
48 Months
View
▼
APR10.44%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR10.69%
Term60 Months
Last UpdatedApr 18, 2026
Details

Grade / Score: C / 600-639

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
224 N Genesee St STE 3, Utica, NY, 13502 2514
Auto Loan
10.74%
49-60
View
▼
APR10.74%
Term49-60
Last UpdatedApr 19, 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
11.16%
Up to 48 months
View
▼
APR11.16%
TermUp to 48 months
Last UpdatedApr 18, 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
View
▼
APR11.19%
Term72 Months
Last UpdatedApr 18, 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
View
▼
APR11.40%
Term49-60 months
Last UpdatedApr 18, 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
View
▼
APR11.64%
Term48 Months
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
New Auto Loans
11.89%
49-66
View
▼
APR11.89%
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
12.69%
48 Months
View
▼
APR12.69%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR12.94%
Term60 Months
Last UpdatedApr 18, 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
View
▼
APR13.41%
TermUp to 48 months
Last UpdatedApr 18, 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
View
▼
APR13.65%
Term49-60 months
Last UpdatedApr 18, 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
View
▼
APR15.64%
Term48 Months
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
15.69%
48 Months
View
▼
APR15.69%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR15.89%
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
15.94%
60 Months
View
▼
APR15.94%
Term60 Months
Last UpdatedApr 18, 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
View
▼
APR15.99%
TermUp to 66 months
Last UpdatedApr 19, 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
View
▼
APR17.25%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details

Grade / Score: E / <549

SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans 2024 or Newer (A+, A Credit Scores)
1.90%
1-5 Years
View
▼
APR1.90%
Term1-5 Years
Last UpdatedApr 18, 2026
Details

Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Car
2.25%
36 Months
View
▼
APR2.25%
Term36 Months
Last UpdatedApr 17, 2026
Details

20 - 21

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
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%
New & Used Cars
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
3.50%
60 months
View
▼
APR3.50%
Term60 months
Last UpdatedApr 18, 2026
Details

Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Auto Loan Special
3.50%
60 Months
View
▼
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%
New & Used Autos
3.50%
24 Months
View
▼
APR3.50%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New auto loans
3.50%
24 months
View
▼
APR3.50%
Term24 months
Last UpdatedApr 19, 2026
Details

NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Auto (2024 or newer)
3.70%
24 to 84 months
View
▼
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%
Used Auto (2019-2023)
3.70%
24 to 72 months
View
▼
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%
New Auto
3.74%
Up to 36 Months
View
▼
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%
New/Used Auto
3.90%
36 Months
View
▼
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%
Used or Refi Vehicle Loans 2024 - 2014
3.90%
1-4 Years
View
▼
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%
Used Car
3.99%
60 Months
View
▼
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%
Auto Loans
3.99%
60 Months
View
▼
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%
New Auto Loan
3.99%
24 months
View
▼
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%
Vehicle Loan
3.99%
24 Months
View
▼
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%
New & Used Vehicles up to 36 months
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; For New Models 2026-2022

Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 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
View
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
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%
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
View
▼
APR3.99%
Term2 Months
Last UpdatedApr 19, 2026
Details

MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
New Auto Loans
3.99%
12-60
View
▼
APR3.99%
Term12-60
Last UpdatedApr 19, 2026
Details

MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
Used Auto Loans
3.99%
12-24
View
▼
APR3.99%
Term12-24
Last UpdatedApr 19, 2026
Details

Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.00%
36 Month
View
▼
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%
New Auto / Truck
4.00%
61 - 72 months
View
▼
APR4.00%
Term61 - 72 months
Last UpdatedApr 18, 2026
Details

ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New auto loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedApr 19, 2026
Details

Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.10%
60 Months
View
▼
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%
New Vehicle - fixed rate
4.14%
36 Months
View
▼
APR4.14%
Term36 Months
Last UpdatedApr 18, 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
View
▼
APR4.15%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New auto loans
4.15%
48 months
View
▼
APR4.15%
Term48 months
Last UpdatedApr 19, 2026
Details

First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
4.24%
36 months
View
▼
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%
Vehicle Loans - Model Years 2024 and newer
4.24%
1 - 48
View
▼
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%
New Auto Loan
4.24%
48 Months
View
▼
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%
New Vehicle - fixed rate
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
View
▼
APR4.24%
Term3 Months
Last UpdatedApr 19, 2026
Details

SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
Automobiles 2023 - 2026
4.24%
12 Months
View
▼
APR4.24%
Term12 Months
Last UpdatedApr 19, 2026
Details

SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Automobiles
4.24%
60 Months
View
▼
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%
Auto Loan
4.24%
48 Months
View
▼
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%
New Autos (2025-2026)
4.25%
48 Month
View
▼
APR4.25%
Term48 Month
Last UpdatedApr 18, 2026
Details

First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
2023 & Newer Auto Loan
4.25%
5 Years
View
▼
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%
Auto Loan
4.25%
1-36
View
▼
APR4.25%
Term1-36
Last UpdatedApr 18, 2026
Details

Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.25%
1 - 36
View
▼
APR4.25%
Term1 - 36
Last UpdatedApr 18, 2026
Details

The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
New Auto
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New auto loans
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedApr 19, 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 Months
View
▼
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%
Used Auto Loans
4.25%
25-36
View
▼
APR4.25%
Term25-36
Last UpdatedApr 19, 2026
Details

HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Auto Loan
4.44%
48 Months
View
▼
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%
Auto Loan
4.49%
36 Months
View
▼
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%
New Auto Loan
4.49%
72 months
View
▼
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%
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
View
▼
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%
Auto Loan
4.49%
48 Months
View
▼
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%
Auto Loan
4.49%
36 Months
View
▼
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%
New Vehicle - fixed rate
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedApr 18, 2026
Details

Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedApr 18, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
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%
Auto Loans
4.49%
Auto Buying Service
View
▼
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%
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
View
▼
APR4.49%
Term4 Months
Last UpdatedApr 19, 2026
Details

SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
Automobiles 2023 - 2026
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.49%
up to 36 months
View
▼
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%
Same rate on NEW or USED vehicles
4.49%
36 Months
View
▼
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%
Used Car
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details

16 - 17

MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details

Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.50%
54 Month
View
▼
APR4.50%
Term54 Month
Last UpdatedApr 18, 2026
Details

Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.50%
36 Month
View
▼
APR4.50%
Term36 Month
Last UpdatedApr 18, 2026
Details

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
View
▼
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%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
View
▼
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%
New/Used Auto
4.50%
84 Months
View
▼
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%
New Auto / Truck
4.50%
73 - 84 months
View
▼
APR4.50%
Term73 - 84 months
Last UpdatedApr 18, 2026
Details

Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
New Car Loans
4.50%
Up to 5 years
View
▼
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%
New & Used Autos
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2026 - 24
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.60%
48 Months
View
▼
APR4.60%
Term48 Months
Last UpdatedApr 19, 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
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Auto Loan
4.64%
49-60
View
▼
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%
Vehicle Loan
4.69%
Up to 24 months
View
▼
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%
Vehicle Loans
4.69%
Up to 24 months
View
▼
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%
New Auto - 2025-2027 up to 36 months
4.70%
up to 36 months
View
▼
APR4.70%
Termup to 36 months
Last UpdatedApr 22, 2026
Details

Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.74%
2-Year
View
▼
APR4.74%
Term2-Year
Last UpdatedApr 18, 2026
Details

Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; For New Models 2026-2022

BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
View
▼
APR4.74%
Term5 Months
Last UpdatedApr 19, 2026
Details

HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Auto Loan
4.74%
61-75
View
▼
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%
Used Auto - 2025-2027 up to 36 months
4.75%
up to 36 months
View
▼
APR4.75%
Termup to 36 months
Last UpdatedApr 22, 2026
Details

Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2022 and older vehicles
4.75%
36 Months
View
▼
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%
Vehicle Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.75%
60 Month
View
▼
APR4.75%
Term60 Month
Last UpdatedApr 18, 2026
Details

Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.75%
48 Month
View
▼
APR4.75%
Term48 Month
Last UpdatedApr 18, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto
4.75%
0-35
View
▼
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%
New Auto Loan
4.75%
0-35 Months
View
▼
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%
Auto Loan
4.75%
1-36
View
▼
APR4.75%
Term1-36
Last UpdatedApr 18, 2026
Details

Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.75%
1 - 36
View
▼
APR4.75%
Term1 - 36
Last UpdatedApr 18, 2026
Details

Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Cars
4.75%
5 Months
View
▼
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%
New Vehicles
4.75%
Up to 60 Months
View
▼
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%
Auto Loans - Cars, Trucks, and SUVs
4.75%
Up to 24 Months
View
▼
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%
Auto Loans 2023 - 17
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 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 Months
View
▼
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%
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
View
▼
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%
Auto Loans - New 2025-2026
4.80%
60 months
View
▼
APR4.80%
Term60 months
Last UpdatedApr 18, 2026
Details

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
4.83%
2 years
View
▼
APR4.83%
Term2 years
Last UpdatedApr 18, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
View
▼
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%
Auto Loan
4.89%
48 Months
View
▼
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%
Auto Loan
4.89%
60 Months
View
▼
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%
New Auto
4.90%
36 Months
View
▼
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%
New Vehicle Loans
4.90%
6 Years
View
▼
APR4.90%
Term6 Years
Last UpdatedApr 18, 2026
Details

SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Used or Refi Vehicle Loans
4.90%
5-6 Years
View
▼
APR4.90%
Term5-6 Years
Last UpdatedApr 18, 2026
Details

As Low As

BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2026 - 24
4.90%
84 Months
View
▼
APR4.90%
Term84 Months
Last UpdatedApr 19, 2026
Details

HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
Auto Loan
4.94%
61-75
View
▼
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%
New Auto
4.95%
48 Months
View
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 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
View
▼
APR4.95%
Term72 months
Last UpdatedApr 18, 2026
Details

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
View
▼
APR3.99%
Term1 to 60
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
View
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR4.24%
Term61 to 66
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
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
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
New Auto Loans
4.49%
49-66
View
▼
APR4.49%
Term49-66
Last UpdatedApr 18, 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
View
▼
APR4.49%
Term67 to 72
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
View
▼
APR4.50%
Term37-48
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
New Auto Loans
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
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
New Auto Loans
4.99%
67-75
View
▼
APR4.99%
Term67-75
Last UpdatedApr 18, 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
View
▼
APR5.25%
Term49-84
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
New Auto Loans
5.49%
67-75
View
▼
APR5.49%
Term67-75
Last UpdatedApr 18, 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
View
▼
APR5.50%
Term36 Months
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
New Auto Loans
5.75%
76-84
View
▼
APR5.75%
Term76-84
Last UpdatedApr 18, 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
View
▼
APR5.75%
Term37-48
Last UpdatedApr 19, 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
View
▼
APR6.00%
Term49-84
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
New Auto Loans
6.84%
76-84
View
▼
APR6.84%
Term76-84
Last UpdatedApr 18, 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
8.24%
76-84
View
▼
APR8.24%
Term76-84
Last UpdatedApr 18, 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
View
▼
APR9.34%
Term48 Months
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
New Auto Loans
9.59%
49-66
View
▼
APR9.59%
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
New Auto Loans
9.67%
49-66
View
▼
APR9.67%
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
New Auto Loans
9.93%
67-75
View
▼
APR9.93%
Term67-75
Last UpdatedApr 18, 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
View
▼
APR10.09%
Term67-75
Last UpdatedApr 18, 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
View
▼
APR11.64%
Term48 Months
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
New Auto Loans
11.89%
49-66
View
▼
APR11.89%
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
New Auto Loans
15.64%
48 Months
View
▼
APR15.64%
Term48 Months
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
New Auto Loans
15.89%
49-66
View
▼
APR15.89%
Term49-66
Last UpdatedApr 18, 2026
Details

SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans 2024 or Newer (A+, A Credit Scores)
1.90%
1-5 Years
View
▼
APR1.90%
Term1-5 Years
Last UpdatedApr 18, 2026
Details

Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Car
2.25%
36 Months
View
▼
APR2.25%
Term36 Months
Last UpdatedApr 17, 2026
Details

20 - 21

MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
3.50%
60 months
View
▼
APR3.50%
Term60 months
Last UpdatedApr 18, 2026
Details

Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
3.50%
24 Months
View
▼
APR3.50%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New auto loans
3.50%
24 months
View
▼
APR3.50%
Term24 months
Last UpdatedApr 19, 2026
Details

NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Auto (2024 or newer)
3.70%
24 to 84 months
View
▼
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%
New Auto
3.74%
Up to 36 Months
View
▼
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%
New/Used Auto
3.90%
36 Months
View
▼
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%
New Auto Loan
3.99%
24 months
View
▼
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%
New & Used Vehicles up to 36 months
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; For New Models 2026-2022

Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
View
▼
APR3.99%
Term2 Months
Last UpdatedApr 19, 2026
Details

MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
New Auto Loans
3.99%
12-60
View
▼
APR3.99%
Term12-60
Last UpdatedApr 19, 2026
Details

Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.00%
36 Month
View
▼
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%
New Auto / Truck
4.00%
61 - 72 months
View
▼
APR4.00%
Term61 - 72 months
Last UpdatedApr 18, 2026
Details

ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New auto loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedApr 19, 2026
Details

Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.10%
60 Months
View
▼
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%
New Vehicle - fixed rate
4.14%
36 Months
View
▼
APR4.14%
Term36 Months
Last UpdatedApr 18, 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
View
▼
APR4.15%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New auto loans
4.15%
48 months
View
▼
APR4.15%
Term48 months
Last UpdatedApr 19, 2026
Details

First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
4.24%
36 months
View
▼
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%
Vehicle Loans - Model Years 2024 and newer
4.24%
1 - 48
View
▼
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%
New Auto Loan
4.24%
48 Months
View
▼
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%
New Vehicle - fixed rate
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
View
▼
APR4.24%
Term3 Months
Last UpdatedApr 19, 2026
Details

SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Automobiles
4.24%
60 Months
View
▼
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%
New Autos (2025-2026)
4.25%
48 Month
View
▼
APR4.25%
Term48 Month
Last UpdatedApr 18, 2026
Details

First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
2023 & Newer Auto Loan
4.25%
5 Years
View
▼
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%
New Vehicles
4.25%
1 - 36
View
▼
APR4.25%
Term1 - 36
Last UpdatedApr 18, 2026
Details

The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
New Auto
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New auto loans
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedApr 19, 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 Months
View
▼
APR4.25%
Term2 Months
Last UpdatedApr 19, 2026
Details

As Low As; as low as...

First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
4.49%
72 months
View
▼
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%
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
View
▼
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%
New Vehicle - fixed rate
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedApr 18, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
View
▼
APR4.49%
Term4 Months
Last UpdatedApr 19, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
View
▼
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%
New & Used Cars
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details

Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.50%
54 Month
View
▼
APR4.50%
Term54 Month
Last UpdatedApr 18, 2026
Details

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
View
▼
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%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
View
▼
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%
New/Used Auto
4.50%
84 Months
View
▼
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%
New Auto / Truck
4.50%
73 - 84 months
View
▼
APR4.50%
Term73 - 84 months
Last UpdatedApr 18, 2026
Details

Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
New Car Loans
4.50%
Up to 5 years
View
▼
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%
New & Used Autos
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 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
View
▼
APR4.60%
Term48 Months
Last UpdatedApr 19, 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
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027 up to 36 months
4.70%
up to 36 months
View
▼
APR4.70%
Termup to 36 months
Last UpdatedApr 22, 2026
Details

Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; For New Models 2026-2022

BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
View
▼
APR4.74%
Term5 Months
Last UpdatedApr 19, 2026
Details

Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.75%
60 Month
View
▼
APR4.75%
Term60 Month
Last UpdatedApr 18, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto
4.75%
0-35
View
▼
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%
New Auto Loan
4.75%
0-35 Months
View
▼
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%
New Vehicles
4.75%
1 - 36
View
▼
APR4.75%
Term1 - 36
Last UpdatedApr 18, 2026
Details

Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Cars
4.75%
5 Months
View
▼
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%
New Vehicles
4.75%
Up to 60 Months
View
▼
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%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
View
▼
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%
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
View
▼
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%
Auto Loans - New 2025-2026
4.80%
60 months
View
▼
APR4.80%
Term60 months
Last UpdatedApr 18, 2026
Details

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
4.83%
2 years
View
▼
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%
New Auto
4.90%
36 Months
View
▼
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%
New Vehicle Loans
4.90%
6 Years
View
▼
APR4.90%
Term6 Years
Last UpdatedApr 18, 2026
Details

The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.95%
48 Months
View
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 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
View
▼
APR4.95%
Term72 months
Last UpdatedApr 18, 2026
Details

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
View
▼
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%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
4.74%
1 to 60
View
▼
APR4.74%
Term1 to 60
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
Used Auto Loans - 3-6 years old
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 18, 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
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR5.49%
Term61 to 66
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
Used Automobile (2014 or newer)
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
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
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedApr 18, 2026
Details

Grade / Score: A+ / 730+

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
View
▼
APR5.75%
Term37-48
Last UpdatedApr 19, 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
View
▼
APR6.00%
Term49-84
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
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 18, 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%
48 Months
View
▼
APR6.24%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 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
6.74%
84 Months
View
▼
APR6.74%
Term84 Months
Last UpdatedApr 18, 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
Used Auto Loan
7.24%
72 Months
View
▼
APR7.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; 61-72 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
7.41%
Up to 48 months
View
▼
APR7.41%
TermUp to 48 months
Last UpdatedApr 18, 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
View
▼
APR7.65%
Term49-60 months
Last UpdatedApr 18, 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
View
▼
APR7.91%
TermUp to 48 months
Last UpdatedApr 18, 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
View
▼
APR8.19%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR8.39%
Term49-60 months
Last UpdatedApr 18, 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
View
▼
APR8.44%
Term60 Months
Last UpdatedApr 18, 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%
84 Months
View
▼
APR8.74%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; 73-84 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
8.91%
Up to 48 months
View
▼
APR8.91%
TermUp to 48 months
Last UpdatedApr 18, 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
View
▼
APR8.94%
Term72 Months
Last UpdatedApr 18, 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
View
▼
APR9.00%
Term36 Months
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 Vehicles 7+ years
9.35%
49-60 months
View
▼
APR9.35%
Term49-60 months
Last UpdatedApr 18, 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
View
▼
APR9.44%
Term84 Months
Last UpdatedApr 18, 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
View
▼
APR10.44%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR10.69%
Term60 Months
Last UpdatedApr 18, 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
View
▼
APR11.16%
TermUp to 48 months
Last UpdatedApr 18, 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
View
▼
APR11.19%
Term72 Months
Last UpdatedApr 18, 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
View
▼
APR11.40%
Term49-60 months
Last UpdatedApr 18, 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
View
▼
APR12.69%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR12.94%
Term60 Months
Last UpdatedApr 18, 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
View
▼
APR13.41%
TermUp to 48 months
Last UpdatedApr 18, 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
View
▼
APR13.65%
Term49-60 months
Last UpdatedApr 18, 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
View
▼
APR15.69%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR15.94%
Term60 Months
Last UpdatedApr 18, 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
View
▼
APR15.99%
TermUp to 66 months
Last UpdatedApr 19, 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
View
▼
APR17.25%
TermUp to 48 months
Last UpdatedApr 18, 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
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
3.50%
24 Months
View
▼
APR3.50%
Term24 Months
Last UpdatedApr 18, 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
View
▼
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%
New/Used Auto
3.90%
36 Months
View
▼
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%
Used or Refi Vehicle Loans 2024 - 2014
3.90%
1-4 Years
View
▼
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%
Used Car
3.99%
60 Months
View
▼
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%
New & Used Vehicles up to 36 months
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 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
View
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details

MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
Used Auto Loans
3.99%
12-24
View
▼
APR3.99%
Term12-24
Last UpdatedApr 19, 2026
Details

Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.10%
60 Months
View
▼
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%
Used Auto
4.24%
Up to 36 Months
View
▼
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%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
View
▼
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%
Used Auto Loans
4.25%
25-36
View
▼
APR4.25%
Term25-36
Last UpdatedApr 19, 2026
Details

Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedApr 18, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
View
▼
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%
Used Car
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details

16 - 17

MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details

Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.50%
36 Month
View
▼
APR4.50%
Term36 Month
Last UpdatedApr 18, 2026
Details

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
View
▼
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%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
View
▼
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%
New/Used Auto
4.50%
84 Months
View
▼
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%
New & Used Autos
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Used Auto - 2025-2027 up to 36 months
4.75%
up to 36 months
View
▼
APR4.75%
Termup to 36 months
Last UpdatedApr 22, 2026
Details

Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.75%
48 Month
View
▼
APR4.75%
Term48 Month
Last UpdatedApr 18, 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 Months
View
▼
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%
New/Used Vehicles with Titles
4.83%
2 years
View
▼
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%
Used or Refi Vehicle Loans
4.90%
5-6 Years
View
▼
APR4.90%
Term5-6 Years
Last UpdatedApr 18, 2026
Details

As Low As

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.

View Full New York Auto Trends →
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 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)
  • First Source Federal Credit Union: 4.99% (Auto Loan)
  • AmeriCU Credit Union: 5.24% (Auto Loan)
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: April 22, 2026

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