Auto Loan Rates in Cobleskill, New York (NY) for March 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 Cobleskill, New York. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Cobleskill, New York include First New York Federal Credit UnionFirst New York Federal Credit Union795 E Main St Ste 1, Cobleskill, NY, 12043 1263A+5.0 ★Texas Ratio: 5.90% offering New Auto Loan at 3.99%, BROADVIEWBROADVIEW567 Main St, Cobleskill, NY, 12043A+5.0 ★Texas Ratio: 0.00% offering Vehicle Loan at 3.99%, TrustCo BankTrustCo Bank104 Merchant Pl, Cobleskill, NY, 12043A+5.0 ★Texas Ratio: 3.16% offering Auto Loans: New Vehicle at 4.99%, SUNY Fredonia Federal Credit UnionSUNY Fredonia Federal Credit Union280 CENTRAL AVE, FREDONIA, NY, 14063 1127A+5.0 ★Texas Ratio: 0.82% offering New Vehicle Loans 2024 or Newer (A+, A Credit Scores) at 1.90%, Boulevard Federal Credit UnionBoulevard Federal Credit Union2787 Niagara Falls Blvd, Amherst, NY, 14228A+5.0 ★Texas Ratio: 0.57% offering Auto Loan 24 Months (2024-2026) at 1.99%.
Auto loan rates in Cobleskill, New York are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Cobleskill, New York. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Cobleskill, New York & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedMar 16, 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.
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
567 Main St, Cobleskill, NY, 12043
Vehicle Loan
3.99%
2 Year Loan
▼
APR3.99%
Term2 Year Loan
Last UpdatedMar 18, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedMar 16, 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.
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
567 Main St, Cobleskill, NY, 12043
Vehicle Loan
4.24%
3 Year Loan
▼
APR4.24%
Term3 Year Loan
Last UpdatedMar 18, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedMar 16, 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.
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
567 Main St, Cobleskill, NY, 12043
Vehicle Loan
4.49%
4 Year Loan
▼
APR4.49%
Term4 Year Loan
Last UpdatedMar 18, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness.
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
567 Main St, Cobleskill, NY, 12043
Vehicle Loan
4.74%
5 Year Loan
▼
APR4.74%
Term5 Year Loan
Last UpdatedMar 18, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness.
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
104 Merchant Pl, Cobleskill, NY, 12043
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMar 15, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
567 Main St, Cobleskill, NY, 12043
Vehicle Loan
4.99%
6 Year Loan
▼
APR4.99%
Term6 Year Loan
Last UpdatedMar 18, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Auto Loan
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMar 16, 2026
Details
As Low As; *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary.
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
104 Merchant Pl, Cobleskill, NY, 12043
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMar 15, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Used Auto Loan
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedMar 16, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedMar 16, 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.
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
567 Main St, Cobleskill, NY, 12043
Vehicle Loan
5.49%
2 Year Loan
▼
APR5.49%
Term2 Year Loan
Last UpdatedMar 18, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Used Auto Loan
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
567 Main St, Cobleskill, NY, 12043
Vehicle Loan
5.74%
4 Year Loan
▼
APR5.74%
Term4 Year Loan
Last UpdatedMar 18, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Used Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
567 Main St, Cobleskill, NY, 12043
Vehicle Loan
5.99%
5 Year Loan
▼
APR5.99%
Term5 Year Loan
Last UpdatedMar 18, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness.
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
104 Merchant Pl, Cobleskill, NY, 12043
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedMar 15, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Auto Loan
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Used Auto Loan
6.99%
24 Months
▼
APR6.99%
Term24 Months
Last UpdatedMar 16, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
6.99%
96 months
▼
APR6.99%
Term96 months
Last UpdatedMar 16, 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. **96 Month term ONLY available on NEW Automobile Model Years 2026-2027.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Auto Loan
7.49%
72 Months
▼
APR7.49%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Auto Loan
7.99%
96 Months
▼
APR7.99%
Term96 Months
Last UpdatedMar 16, 2026
Details
As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
567 Main St, Cobleskill, NY, 12043
Vehicle Loan
8.24%
2 Year Loan
▼
APR8.24%
Term2 Year Loan
Last UpdatedMar 18, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness.
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
567 Main St, Cobleskill, NY, 12043
Vehicle Loan
8.49%
4 Year Loan
▼
APR8.49%
Term4 Year Loan
Last UpdatedMar 18, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Auto Loan
8.74%
180 Months
▼
APR8.74%
Term180 Months
Last UpdatedMar 16, 2026
Details
As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Used Auto Loan
8.99%
48 Months
▼
APR8.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Auto Loan
9.49%
96 Months
▼
APR9.49%
Term96 Months
Last UpdatedMar 16, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 90% of the NADA value or purchase price, whichever is lower. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Auto Loan
9.99%
180 Months
▼
APR9.99%
Term180 Months
Last UpdatedMar 16, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 90% of the NADA value or purchase price, whichever is lower. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
New Vehicle Loans 2024 or Newer (A+, A Credit Scores)
1.90%
1-5 Years
▼
APR1.90%
Term1-5 Years
Last UpdatedMar 17, 2026
Details
As Low As
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
Auto Loan 24 Months (2024-2026)
1.99%
24 Months
▼
APR1.99%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
Auto Loan Special
1.99%
24 Months
▼
APR1.99%
Term24 Months
Last UpdatedMar 18, 2026
Details
Auto Loan rates start at 1.99% for 24 months.
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 24 Months
1.99%
24 Months
▼
APR1.99%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Lewiston Porter Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.84%
4061 Creek Rd, Youngstown, NY, 14174
New Vehicles Loans
2.20%
36 months
▼
APR2.20%
Term36 months
Last UpdatedMar 4, 2026
Details
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
New Car
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
20 - 21
Lewiston Porter Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.84%
4061 Creek Rd, Youngstown, NY, 14174
New Vehicles Loans
2.70%
48 months
▼
APR2.70%
Term48 months
Last UpdatedMar 4, 2026
Details
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
Lewiston Porter Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.84%
4061 Creek Rd, Youngstown, NY, 14174
New Vehicles Loans
2.85%
60 months
▼
APR2.85%
Term60 months
Last UpdatedMar 4, 2026
Details
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedMar 17, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New/Used Vehicle Loan Special
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C."
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
100 McGuinness Blvd, Brooklyn, NY, 11222
Auto Loan
3.50%
5 years
▼
APR3.50%
Term5 years
Last UpdatedMar 15, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
3.50%
24 months
▼
APR3.50%
Term24 months
Last UpdatedMar 17, 2026
Details
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
3.59%
48 Months
▼
APR3.59%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
3.69%
60 Months
▼
APR3.69%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
New Auto (2024 or newer)
3.70%
24 to 84 months
▼
APR3.70%
Term24 to 84 months
Last UpdatedMar 17, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
Used Auto (2019-2023)
3.70%
24 to 72 months
▼
APR3.70%
Term24 to 72 months
Last UpdatedMar 17, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
Auto Loan 36 Months (2024-2026)
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 36 Months
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
TCT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
416 Rowland St, Ballston Spa, NY, 12020
CONVENTIONAL AUTO LOAN MODEL YEARS: 2023 & NEWER
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
726 Broadway Ste 110, New York, NY, 10003 9616
Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
Credit Score 760+, Credit Tier A+
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Used or Refi Vehicle Loans 2024 - 2014
3.90%
1-4 Years
▼
APR3.90%
Term1-4 Years
Last UpdatedMar 17, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
18 - 19
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
545 E 2nd St, Jamestown, NY, 14701
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 17, 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%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMar 15, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMar 15, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
New Auto Loans
3.99%
12-60
▼
APR3.99%
Term12-60
Last UpdatedMar 20, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
3.99%
12-24
▼
APR3.99%
Term12-24
Last UpdatedMar 20, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedMar 16, 2026
Details
Up To 100% Financing
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.00%
61 - 72 months
▼
APR4.00%
Term61 - 72 months
Last UpdatedMar 17, 2026
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
726 Broadway Ste 110, New York, NY, 10003 9616
Auto Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
Credit Score 760+, Credit Tier A+
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMar 17, 2026
Details
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
Used Auto Loans
4.09%
48 Months
▼
APR4.09%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
Auto Loan 48 Months (2024-2026)
4.15%
48 Months
▼
APR4.15%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 48 Months
4.15%
48 Months
▼
APR4.15%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
100 McGuinness Blvd, Brooklyn, NY, 11222
Auto Loan
4.15%
4 years
▼
APR4.15%
Term4 years
Last UpdatedMar 15, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.15%
48 months
▼
APR4.15%
Term48 months
Last UpdatedMar 17, 2026
Details
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
Used Auto Loans
4.19%
60 Months
▼
APR4.19%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.24%
1 - 48
▼
APR4.24%
Term1 - 48
Last UpdatedMar 17, 2026
Details
As Low As
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY, 13204
Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; For New Models 2026-2022
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 20, 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 - 2 years old and newer
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 17, 2026
Details
Grade/Score: A+ /730+
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1201 Wayne St, Olean, NY, 14760
Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; 2025 & newer
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedMar 16, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Auto Loan
4.25%
1-36
▼
APR4.25%
Term1-36
Last UpdatedMar 15, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles
4.25%
1 - 36
▼
APR4.25%
Term1 - 36
Last UpdatedMar 15, 2026
Details
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedMar 17, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedMar 17, 2026
Details
As Low As; as low as...
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
New Automobile
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 17, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
4.25%
25-36
▼
APR4.25%
Term25-36
Last UpdatedMar 20, 2026
Details
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1201 Wayne St, Olean, NY, 14760
Auto Loan
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; 2024 & Older
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
65 WRIGHT CIR, AUBURN, NY, 13021 3135
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedMar 17, 2026
Details
As Low As
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY, 13204
Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
1178 NYS Route 9N, Ticonderoga, NY, 12883 3106
Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 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 - 2 years old and newer
4.49%
2 Years
▼
APR4.49%
Term2 Years
Last UpdatedMar 17, 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
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 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 A+ / 730+
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedMar 15, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedMar 15, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedMar 17, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 15, 2026
Details
16 - 17
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 20, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedMar 16, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedMar 16, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
110 John Muir Dr, Amherst, NY, 14228 1148
New Cars & Used Cars (2026 - 2025, 2024)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Beacon Score 725+
Good Neighbors Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
30 Brunswick Rd, Depew, NY, 14043
Auto Loans
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
TCT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
416 Rowland St, Ballston Spa, NY, 12020
CONVENTIONAL AUTO LOAN MODEL YEARS: 2023 & NEWER
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.50%
73 - 84 months
▼
APR4.50%
Term73 - 84 months
Last UpdatedMar 17, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
215 2nd Ave, New York, NY, 10003
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMar 15, 2026
Details
As Low As; 10% down payment
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New/Used Vehicle Loan Special
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C."
New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
726 Broadway Ste 110, New York, NY, 10003 9616
Auto Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 20, 2026
Details
Credit Score 700-759, Credit Tier A
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 UpdatedMar 17, 2026
Details
Good Neighbors Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
30 Brunswick Rd, Depew, NY, 14043
Auto Loans
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1201 Wayne St, Olean, NY, 14760
Auto Loan
4.64%
49-60
▼
APR4.64%
Term49-60
Last UpdatedMar 20, 2026
Details
As Low As; 2024 & Older
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
1112 Saint Nicholas Ave, New York, NY, 10032
Auto Loans
4.68%
60 Months
▼
APR4.68%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Rates from 4.68% to 10.84%; Up to 60-month terms; $20 application fee; No pre-payment penalties; Amount: up to $30,000; Financing up to 80% for purchases or 100% when refinancing; Maximum selling price will be capped at Kelley Blue Book value
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 15, 2026
Details
Good Neighbors Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
30 Brunswick Rd, Depew, NY, 14043
Auto Loans
4.70%
60 Months
▼
APR4.70%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY, 13204
Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Niagara Falls Air Force Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
2420 Olmstead St, Niagara Falls, NY, 14304 5066
Paper Grade A+ Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 2508
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedMar 17, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; For New Models 2026-2022
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans - 2 years old and newer
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 17, 2026
Details
Grade/Score: A / 680-729
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
4.74%
1 to 60
▼
APR4.74%
Term1 to 60
Last UpdatedMar 20, 2026
Details
As Low As
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1201 Wayne St, Olean, NY, 14760
Auto Loan
4.74%
61-75
▼
APR4.74%
Term61-75
Last UpdatedMar 20, 2026
Details
As Low As; 2025 & newer
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Used Auto - 2025-2027
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 15, 2026
Details
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
545 E 2nd St, Jamestown, NY, 14701
Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedMar 16, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.75%
48 Month
▼
APR4.75%
Term48 Month
Last UpdatedMar 16, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Auto Loan (vehicle year 2022 - 2026)
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
TCT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
416 Rowland St, Ballston Spa, NY, 12020
CONVENTIONAL AUTO LOAN MODEL YEARS: 2022 & OLDER
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY, 12901
New Auto
4.75%
0-35
▼
APR4.75%
Term0-35
Last UpdatedMar 15, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY, 12901
New Auto Loan
4.75%
0-35 Months
▼
APR4.75%
Term0-35 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Auto Loan
4.75%
1-36
▼
APR4.75%
Term1-36
Last UpdatedMar 15, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles
4.75%
1 - 36
▼
APR4.75%
Term1 - 36
Last UpdatedMar 15, 2026
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
New Cars
4.75%
5 years
▼
APR4.75%
Term5 years
Last UpdatedMar 17, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
New Vehicles
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Auto Loans - Cars, Trucks, and SUVs
4.75%
Up to 24 Months
▼
APR4.75%
TermUp to 24 Months
Last UpdatedMar 18, 2026
Details
As Low As
New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
726 Broadway Ste 110, New York, NY, 10003 9616
Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
Credit Score 700-759, Credit Tier A
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loans 2026 - 24
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 18, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; as low as...
CANANDAIGUA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
3210 Eastern Blvd, Canandaigua, NY, 14424
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY, 12572
Auto Loan
4.79%
5 Years
▼
APR4.79%
Term5 Years
Last UpdatedMar 11, 2026
Details
Model Years 2024 and newer
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Auto Loans - New 2025-2026
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedMar 15, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY, 12572
Auto Loan
4.89%
5 Years
▼
APR4.89%
Term5 Years
Last UpdatedMar 11, 2026
Details
Model Years 2022 - 2023
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
108 2nd Ave, New York, NY, 10003 8302
Auto Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
New Vehicle Loans
4.90%
6 Years
▼
APR4.90%
Term6 Years
Last UpdatedMar 17, 2026
Details
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Used or Refi Vehicle Loans
4.90%
5-6 Years
▼
APR4.90%
Term5-6 Years
Last UpdatedMar 17, 2026
Details
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1201 Wayne St, Olean, NY, 14760
Auto Loan
4.94%
61-75
▼
APR4.94%
Term61-75
Last UpdatedMar 20, 2026
Details
As Low As; 2024 & Older
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Auto Loans - New 2025-2026
4.95%
72 months
▼
APR4.95%
Term72 months
Last UpdatedMar 15, 2026
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
Auto Loan 60 Months (2024-2026)
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 60 Months
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2023 - 2026
4.95%
12 Months
▼
APR4.95%
Term12 Months
Last UpdatedMar 17, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedMar 15, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY, 12572
Auto Loan
4.99%
6 Years
▼
APR4.99%
Term6 Years
Last UpdatedMar 11, 2026
Details
Model Years 2022 - 2023
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
65 WRIGHT CIR, AUBURN, NY, 13021 3135
Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
UGEFCU
Institution Rating:
A+5.0 ★
215 Old Campion Rd, New Hartford, NY, 13413 4953
New Vehicle
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Auto Loan
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedMar 20, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2021-2023
4.99%
1 - 48
▼
APR4.99%
Term1 - 48
Last UpdatedMar 17, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.99%
61 - 72
▼
APR4.99%
Term61 - 72
Last UpdatedMar 17, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
545 E 2nd St, Jamestown, NY, 14701
Used Auto Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
545 E 2nd St, Jamestown, NY, 14701
Vehicle Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY, 13204
Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
108 2nd Ave, New York, NY, 10003 8302
Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
110 Village Sq, Painted Post, NY, 14870 1349
New Vehicle 2023 - Newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 2508
Auto Loans
4.99%
3-Year
▼
APR4.99%
Term3-Year
Last UpdatedMar 17, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
Used Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; For Used Models 2021-2017
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
New Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
27 Seneca St, Geneva, NY, 14456 3502
New Auto (2025 & newer)
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedMar 20, 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 - 2 years old and newer
4.99%
2 Years
▼
APR4.99%
Term2 Years
Last UpdatedMar 17, 2026
Details
Grade/Score: A+ /730+
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedMar 20, 2026
Details
As Low As
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
100 McGuinness Blvd, Brooklyn, NY, 11222
Auto Loan
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedMar 15, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Auto Loans - Cars, Trucks, and SUVs
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Car Loan Years 2024 & Newer
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1795 English Rd, Rochester, NY, 14616
New Automobile Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Max Term: up to 48 months, Max Amount: $65,000
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Auto Refinancing
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; dependent on creditworthiness and credit history
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
New Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Used Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Municipal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY, 10475
Auto loan options for 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 20, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedMar 16, 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.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedMar 16, 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.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedMar 16, 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.
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
104 Merchant Pl, Cobleskill, NY, 12043
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMar 15, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
104 Merchant Pl, Cobleskill, NY, 12043
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMar 15, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedMar 16, 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.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
6.99%
96 months
▼
APR6.99%
Term96 months
Last UpdatedMar 16, 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. **96 Month term ONLY available on NEW Automobile Model Years 2026-2027.
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
New Vehicle Loans 2024 or Newer (A+, A Credit Scores)
1.90%
1-5 Years
▼
APR1.90%
Term1-5 Years
Last UpdatedMar 17, 2026
Details
As Low As
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 24 Months
1.99%
24 Months
▼
APR1.99%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Lewiston Porter Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.84%
4061 Creek Rd, Youngstown, NY, 14174
New Vehicles Loans
2.20%
36 months
▼
APR2.20%
Term36 months
Last UpdatedMar 4, 2026
Details
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
New Car
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
20 - 21
Lewiston Porter Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.84%
4061 Creek Rd, Youngstown, NY, 14174
New Vehicles Loans
2.70%
48 months
▼
APR2.70%
Term48 months
Last UpdatedMar 4, 2026
Details
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
Lewiston Porter Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.84%
4061 Creek Rd, Youngstown, NY, 14174
New Vehicles Loans
2.85%
60 months
▼
APR2.85%
Term60 months
Last UpdatedMar 4, 2026
Details
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedMar 17, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New/Used Vehicle Loan Special
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C."
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
3.50%
24 months
▼
APR3.50%
Term24 months
Last UpdatedMar 17, 2026
Details
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
3.59%
48 Months
▼
APR3.59%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
3.69%
60 Months
▼
APR3.69%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
New Auto (2024 or newer)
3.70%
24 to 84 months
▼
APR3.70%
Term24 to 84 months
Last UpdatedMar 17, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 36 Months
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
TCT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
416 Rowland St, Ballston Spa, NY, 12020
CONVENTIONAL AUTO LOAN MODEL YEARS: 2023 & NEWER
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 17, 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%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMar 15, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
New Auto Loans
3.99%
12-60
▼
APR3.99%
Term12-60
Last UpdatedMar 20, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedMar 16, 2026
Details
Up To 100% Financing
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.00%
61 - 72 months
▼
APR4.00%
Term61 - 72 months
Last UpdatedMar 17, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMar 17, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 48 Months
4.15%
48 Months
▼
APR4.15%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.15%
48 months
▼
APR4.15%
Term48 months
Last UpdatedMar 17, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.24%
1 - 48
▼
APR4.24%
Term1 - 48
Last UpdatedMar 17, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; For New Models 2026-2022
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 20, 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 - 2 years old and newer
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 17, 2026
Details
Grade/Score: A+ /730+
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedMar 16, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles
4.25%
1 - 36
▼
APR4.25%
Term1 - 36
Last UpdatedMar 15, 2026
Details
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedMar 17, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedMar 17, 2026
Details
As Low As; as low as...
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
New Automobile
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 17, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedMar 17, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 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 - 2 years old and newer
4.49%
2 Years
▼
APR4.49%
Term2 Years
Last UpdatedMar 17, 2026
Details
Grade/Score: A+ /730+
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedMar 15, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 20, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedMar 16, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
110 John Muir Dr, Amherst, NY, 14228 1148
New Cars & Used Cars (2026 - 2025, 2024)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Beacon Score 725+
TCT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
416 Rowland St, Ballston Spa, NY, 12020
CONVENTIONAL AUTO LOAN MODEL YEARS: 2023 & NEWER
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.50%
73 - 84 months
▼
APR4.50%
Term73 - 84 months
Last UpdatedMar 17, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
215 2nd Ave, New York, NY, 10003
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMar 15, 2026
Details
As Low As; 10% down payment
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New/Used Vehicle Loan Special
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C."
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 UpdatedMar 17, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 15, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; For New Models 2026-2022
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans - 2 years old and newer
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 17, 2026
Details
Grade/Score: A / 680-729
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
4.74%
1 to 60
▼
APR4.74%
Term1 to 60
Last UpdatedMar 20, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedMar 16, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY, 12901
New Auto
4.75%
0-35
▼
APR4.75%
Term0-35
Last UpdatedMar 15, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY, 12901
New Auto Loan
4.75%
0-35 Months
▼
APR4.75%
Term0-35 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles
4.75%
1 - 36
▼
APR4.75%
Term1 - 36
Last UpdatedMar 15, 2026
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
New Cars
4.75%
5 years
▼
APR4.75%
Term5 years
Last UpdatedMar 17, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
New Vehicles
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; as low as...
CANANDAIGUA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
3210 Eastern Blvd, Canandaigua, NY, 14424
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Auto Loans - New 2025-2026
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedMar 15, 2026
Details
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
New Vehicle Loans
4.90%
6 Years
▼
APR4.90%
Term6 Years
Last UpdatedMar 17, 2026
Details
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Auto Loans - New 2025-2026
4.95%
72 months
▼
APR4.95%
Term72 months
Last UpdatedMar 15, 2026
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 60 Months
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedMar 15, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★
215 Old Campion Rd, New Hartford, NY, 13413 4953
New Vehicle
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.99%
61 - 72
▼
APR4.99%
Term61 - 72
Last UpdatedMar 17, 2026
Details
As Low As
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
110 Village Sq, Painted Post, NY, 14870 1349
New Vehicle 2023 - Newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
New Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
27 Seneca St, Geneva, NY, 14456 3502
New Auto (2025 & newer)
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedMar 20, 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 - 2 years old and newer
4.99%
2 Years
▼
APR4.99%
Term2 Years
Last UpdatedMar 17, 2026
Details
Grade/Score: A+ /730+
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedMar 20, 2026
Details
As Low As
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Car Loan Years 2024 & Newer
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1795 English Rd, Rochester, NY, 14616
New Automobile Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Max Term: up to 48 months, Max Amount: $65,000
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
New Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Powered by
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Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Used Auto Loan
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedMar 16, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Used Auto Loan
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Used Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
104 Merchant Pl, Cobleskill, NY, 12043
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedMar 15, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Used Auto Loan
6.99%
24 Months
▼
APR6.99%
Term24 Months
Last UpdatedMar 16, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Used Auto Loan
8.99%
48 Months
▼
APR8.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 24 Months
1.99%
24 Months
▼
APR1.99%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New/Used Vehicle Loan Special
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C."
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
Used Auto (2019-2023)
3.70%
24 to 72 months
▼
APR3.70%
Term24 to 72 months
Last UpdatedMar 17, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 36 Months
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Used or Refi Vehicle Loans 2024 - 2014
3.90%
1-4 Years
▼
APR3.90%
Term1-4 Years
Last UpdatedMar 17, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
18 - 19
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMar 15, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
3.99%
12-24
▼
APR3.99%
Term12-24
Last UpdatedMar 20, 2026
Details
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
Used Auto Loans
4.09%
48 Months
▼
APR4.09%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 48 Months
4.15%
48 Months
▼
APR4.15%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
Used Auto Loans
4.19%
60 Months
▼
APR4.19%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedMar 17, 2026
Details
As Low As; as low as...
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
4.25%
25-36
▼
APR4.25%
Term25-36
Last UpdatedMar 20, 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 UpdatedMar 17, 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 A+ / 730+
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedMar 15, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 15, 2026
Details
16 - 17
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 20, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedMar 16, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
110 John Muir Dr, Amherst, NY, 14228 1148
New Cars & Used Cars (2026 - 2025, 2024)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Beacon Score 725+
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New/Used Vehicle Loan Special
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C."
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Used Auto - 2025-2027
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 15, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.75%
48 Month
▼
APR4.75%
Term48 Month
Last UpdatedMar 16, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Auto Loan (vehicle year 2022 - 2026)
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; as low as...
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Used or Refi Vehicle Loans
4.90%
5-6 Years
▼
APR4.90%
Term5-6 Years
Last UpdatedMar 17, 2026
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 60 Months
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
545 E 2nd St, Jamestown, NY, 14701
Used Auto Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY, 14224
Used Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; For Used Models 2021-2017
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedMar 20, 2026
Details
As Low As
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Used Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
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MonitorBankRates
Frequently Asked Questions about Auto Loans in Cobleskill, 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 Cobleskill, 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 Cobleskill, 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 Cobleskill, New York?
Based on our current data, some of the lowest auto loan rates available in Cobleskill, New York include:
- First New York Federal Credit Union: 3.99% (New Auto Loan)
- BROADVIEW: 3.99% (Vehicle Loan)
- TrustCo Bank: 4.99% (Auto Loans: New Vehicle)
- SUNY Fredonia Federal Credit Union: 1.90% (New Vehicle Loans 2024 or Newer (A+, A Credit Scores))
- Boulevard Federal Credit Union: 1.99% (Auto Loan 24 Months (2024-2026))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Cobleskill, New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026
