Auto Loan Rates in Rochester, 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 Rochester, New York. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Rochester, New York include Ukrainian Federal Credit UnionUkrainian Federal Credit Union824 E Ridge Rd, Rochester, NY, 14621A5.0 ★Texas Ratio: 10.45% offering Used Auto Loan (vehicle year 2022 - 2026) at 4.75%, Advantage Federal Credit Union FCUAdvantage Federal Credit Union FCU225 W Broad St, Rochester, NY, 14608A+5.0 ★Texas Ratio: 3.10% offering Car Loan Years 2024 & Newer at 4.99%, Greece Community Federal Credit UnionGreece Community Federal Credit Union1795 English Rd, Rochester, NY, 14616A+5.0 ★Texas Ratio: 3.41% offering New Automobile Loan at 4.99%, The Summit Federal Credit UnionThe Summit Federal Credit Union100 MARINA DR, ROCHESTER, NY, 14626 5104A+5.0 ★Texas Ratio: 2.45% offering New Auto at 5.05%, St Pius X Church Federal Credit UnionSt Pius X Church Federal Credit Union2998 Chili Ave, Rochester, NY, 14624 4537A5.0 ★Texas Ratio: 7.99% offering Used Vehicle (2023-2020) at 5.50%. Auto loan rates as of March 26, 2026 according to verified data from MonitorBankRates.
Auto loan rates in Rochester, 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 Rochester, New York. Auto Loan Rates Last Updated and Verified: March 26, 2026
Compare Auto Loan Rates Today in Rochester, New York & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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 24, 2026
Details
As Low As; APR*
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 24, 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 26, 2026
Details
As Low As; Max Term: up to 48 months, Max Amount: $65,000
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)
5.00%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedMar 24, 2026
Details
As Low As; APR*
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2018 & newer)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
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)
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedMar 24, 2026
Details
As Low As; APR*
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.30%
36 Months
▼
APR5.30%
Term36 Months
Last UpdatedMar 15, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2020 & newer)
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.45%
48 Months
▼
APR5.45%
Term48 Months
Last UpdatedMar 15, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2021 & newer)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
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
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 24, 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
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 26, 2026
Details
As Low As; Max Term: up to 60 months, Max Amount: $65,000
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 15, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2018 & newer)
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
Billing
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Used Vehicle (2023-2020)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Auto Loan (vehicle year 2025 - 2026)
5.50%
3 Months
▼
APR5.50%
Term3 Months
Last UpdatedMar 24, 2026
Details
As Low As; 4.50%
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2020 & newer)
5.65%
48 Months
▼
APR5.65%
Term48 Months
Last UpdatedMar 15, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2021 & newer)
5.70%
60 Months
▼
APR5.70%
Term60 Months
Last UpdatedMar 15, 2026
Details
Billing
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Car Loan Used Years 2018 to 2023
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Auto Loan (vehicle year 2025 - 2026)
5.75%
5 Months
▼
APR5.75%
Term5 Months
Last UpdatedMar 24, 2026
Details
As Low As; 4.75%
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedMar 15, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2022 & newer)
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 25, 2026
Details
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1795 English Rd, Rochester, NY, 14616
New Automobile Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 26, 2026
Details
As Low As; Max Term: up to 72 months, Max Amount: $65,000
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1795 English Rd, Rochester, NY, 14616
Used Automobile Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 26, 2026
Details
As Low As; Max Term: up to 48 months, Max Amount: $65,000
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Auto Loan (vehicle year 2025 - 2026)
6.00%
6 Months
▼
APR6.00%
Term6 Months
Last UpdatedMar 24, 2026
Details
As Low As; 5.00%
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2022 & newer)
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMar 15, 2026
Details
Billing
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Car Loan Used Years 2018 to 2023
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMar 25, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Auto Loan (vehicle year 2025 - 2026)
6.25%
7 Months
▼
APR6.25%
Term7 Months
Last UpdatedMar 24, 2026
Details
As Low As; 5.25%
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Car Loan Older Years 2017 and Older
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMar 24, 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
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As;; Terms over 72 months have a minimum loan amount of $30,000
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1795 English Rd, Rochester, NY, 14616
Used Automobile Loan
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMar 26, 2026
Details
As Low As; Max Term: up to 60 months, Max Amount: $65,000
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Used Vehicle (2019-2016)
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2024 & newer)
6.60%
84 Months
▼
APR6.60%
Term84 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Used Vehicle (2023-2020)
6.65%
84 Months
▼
APR6.65%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
6.70%
84 Months
▼
APR6.70%
Term84 Months
Last UpdatedMar 15, 2026
Details
Billing
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Used Vehicle (2019-2016)
6.70%
66 Months
▼
APR6.70%
Term66 Months
Last UpdatedMar 21, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2024 & newer)
6.85%
84 Months
▼
APR6.85%
Term84 Months
Last UpdatedMar 15, 2026
Details
Billing
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Used Vehicle (2019-2016)
6.85%
75 Months
▼
APR6.85%
Term75 Months
Last UpdatedMar 21, 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 Older Years 2017 and Older
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 24, 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
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 26, 2026
Details
As Low As; Max Term: up to 84 months, Max Amount: $65,000
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1795 English Rd, Rochester, NY, 14616
Used Automobile Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 26, 2026
Details
As Low As; Max Term: up to 72 months, Max Amount: $65,000
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Car Loan Used Years 2018 to 2023
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As;; Terms over 72 months have a minimum loan amount of $30,000
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles 2019-2025
7.25%
4 Months
▼
APR7.25%
Term4 Months
Last UpdatedMar 24, 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
7.49%
96 Months
▼
APR7.49%
Term96 Months
Last UpdatedMar 24, 2026
Details
As Low As;; Terms over 72 months have a minimum loan amount of $30,000
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Vehicles
7.50%
2 Months
▼
APR7.50%
Term2 Months
Last UpdatedMar 24, 2026
Details
As Low As; 6.500%
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles 2017-2018
7.50%
3 Months
▼
APR7.50%
Term3 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Vehicles
7.75%
4 Months
▼
APR7.75%
Term4 Months
Last UpdatedMar 24, 2026
Details
As Low As; 6.750%
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedMar 25, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Vehicles
8.00%
5 Months
▼
APR8.00%
Term5 Months
Last UpdatedMar 24, 2026
Details
As Low As; 7.000%
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
8.24%
72 Months
▼
APR8.24%
Term72 Months
Last UpdatedMar 25, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Vehicles
8.25%
6 Months
▼
APR8.25%
Term6 Months
Last UpdatedMar 24, 2026
Details
As Low As; 7.250%
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles
8.25%
3 Months
▼
APR8.25%
Term3 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles
8.50%
4 Months
▼
APR8.50%
Term4 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles
8.75%
5 Months
▼
APR8.75%
Term5 Months
Last UpdatedMar 24, 2026
Details
As Low As
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
8.99%
36 Months
▼
APR8.99%
Term36 Months
Last UpdatedMar 25, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles 2015-2016
9.50%
2 Months
▼
APR9.50%
Term2 Months
Last UpdatedMar 24, 2026
Details
As Low As
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
9.74%
48 Months
▼
APR9.74%
Term48 Months
Last UpdatedMar 25, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
9.99%
60 Months
▼
APR9.99%
Term60 Months
Last UpdatedMar 25, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
10.24%
72 Months
▼
APR10.24%
Term72 Months
Last UpdatedMar 25, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles
10.50%
2 Months
▼
APR10.50%
Term2 Months
Last UpdatedMar 24, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
10.74%
36 Months
▼
APR10.74%
Term36 Months
Last UpdatedMar 25, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles
10.75%
3 Months
▼
APR10.75%
Term3 Months
Last UpdatedMar 24, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
10.99%
48 Months
▼
APR10.99%
Term48 Months
Last UpdatedMar 25, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles
11.00%
4 Months
▼
APR11.00%
Term4 Months
Last UpdatedMar 24, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
11.24%
60 Months
▼
APR11.24%
Term60 Months
Last UpdatedMar 25, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
11.49%
72 Months
▼
APR11.49%
Term72 Months
Last UpdatedMar 25, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
11.74%
36 Months
▼
APR11.74%
Term36 Months
Last UpdatedMar 25, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
12.99%
48 Months
▼
APR12.99%
Term48 Months
Last UpdatedMar 25, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
13.24%
36 Months
▼
APR13.24%
Term36 Months
Last UpdatedMar 25, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
13.49%
72 Months
▼
APR13.49%
Term72 Months
Last UpdatedMar 25, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
13.74%
48 Months
▼
APR13.74%
Term48 Months
Last UpdatedMar 25, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
13.99%
60 Months
▼
APR13.99%
Term60 Months
Last UpdatedMar 25, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★ Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY, 14606
Auto Loan
15.99%
36 Months
▼
APR15.99%
Term36 Months
Last UpdatedMar 25, 2026
Details
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 24, 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 25, 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 25, 2026
Details
As Low As; Auto Loan rates start at 1.99% for 24 months. Other rates and terms available. Auto/RV Loan Special valid 3/4/2026 - 4/12/2026
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 25, 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 22, 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
District #6 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Auto Loan Special - Spring into a new ride - Get your auto loan today!Vehicles 2022 & newer
3.00%
36 Months
▼
APR3.00%
Term36 Months
Last UpdatedMar 25, 2026
Details
Offer good until 4-30-2026
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 25, 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
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
New Auto
3.49%
up to 48 months
▼
APR3.49%
Termup to 48 months
Last UpdatedMar 21, 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."
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
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
100 McGuinness Blvd, Brooklyn, NY, 11222
New Auto Loan
3.50%
5 years
▼
APR3.50%
Term5 years
Last UpdatedMar 21, 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.
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 24, 2026
Details
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 25, 2026
Details
District #6 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Auto Loan Special - Spring into a new ride - Get your auto loan today!Vehicles 2022 & newer
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedMar 25, 2026
Details
Offer good until 4-30-2026
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
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
New Auto
3.69%
49 - 60 months
▼
APR3.69%
Term49 - 60 months
Last UpdatedMar 21, 2026
Details
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
Used Auto
3.69%
up to 48 months
▼
APR3.69%
Termup to 48 months
Last UpdatedMar 21, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
New Auto (2024 or newer)
3.70%
24 to 84 months
▼
APR3.70%
Term24 to 84 months
Last UpdatedMar 24, 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 24, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
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+
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 25, 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 25, 2026
Details
As Low As
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
Used Auto
3.89%
49 - 60 months
▼
APR3.89%
Term49 - 60 months
Last UpdatedMar 21, 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
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMar 21, 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 24, 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
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
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
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
New Auto
3.99%
61 - 72 months
▼
APR3.99%
Term61 - 72 months
Last UpdatedMar 21, 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
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMar 22, 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 22, 2026
Details
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 22, 2026
Details
18 - 19
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 23, 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.
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 24, 2026
Details
As Low As; For New Models 2026-2022
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 24, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2026 & Newer
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedMar 16, 2026
Details
Up To 100% Financing
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+
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 24, 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 25, 2026
Details
District #6 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Auto Loan Special - Spring into a new ride - Get your auto loan today!Vehicles 2022 & newer
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMar 25, 2026
Details
Offer good until 4-30-2026
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 21, 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 26, 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
New Auto Loan
4.15%
4 years
▼
APR4.15%
Term4 years
Last UpdatedMar 21, 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
4.15%
48 months
▼
APR4.15%
Term48 months
Last UpdatedMar 25, 2026
Details
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 25, 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 25, 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 26, 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
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
Used Auto
4.19%
61 - 72 months
▼
APR4.19%
Term61 - 72 months
Last UpdatedMar 21, 2026
Details
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
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
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 23, 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.
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 24, 2026
Details
As Low As; For New Models 2026-2022
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 24, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 24, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans - 2 years old and newer
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 24, 2026
Details
Grade/Score: A+ /730+
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 26, 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)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedMar 16, 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
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
Auto Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 21, 2026
Details
As Low As; Up to 24 months
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 21, 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
4.25%
1-36
▼
APR4.25%
Term1-36
Last UpdatedMar 22, 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 22, 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 24, 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 24, 2026
Details
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 25, 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
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
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
New Auto
4.49%
73 - 84 months
▼
APR4.49%
Term73 - 84 months
Last UpdatedMar 21, 2026
Details
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 21, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedMar 22, 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 22, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedMar 23, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedMar 24, 2026
Details
As Low As
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 24, 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 24, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
4.49%
49-66
▼
APR4.49%
Term49-66
Last UpdatedMar 24, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans - 2 years old and newer
4.49%
2 Years
▼
APR4.49%
Term2 Years
Last UpdatedMar 24, 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 24, 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 24, 2026
Details
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
65 WRIGHT CIR, AUBURN, NY, 13021 3135
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2023 - 2025*
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 26, 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
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
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."
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+
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
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
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; 25 to 36 months
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 21, 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
Used Auto Loans
4.50%
5 years
▼
APR4.50%
Term5 years
Last UpdatedMar 21, 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 22, 2026
Details
16 - 17
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 22, 2026
Details
As Low As; 10% down payment
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 24, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
New Automobile
4.50%
37-48
▼
APR4.50%
Term37-48
Last UpdatedMar 24, 2026
Details
Good Neighbors Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
30 Brunswick Rd, Depew, NY, 14043
Auto Loans
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 26, 2026
Details
As Low As
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 26, 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 26, 2026
Details
As Low As
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1201 Wayne St, Olean, NY, 14760
Auto Loan
4.64%
49-60
▼
APR4.64%
Term49-60
Last UpdatedMar 20, 2026
Details
As Low As; 2024 & Older
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 22, 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
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
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 21, 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 26, 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
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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 24, 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 26, 2026
Details
As Low As; Max Term: up to 48 months, Max Amount: $65,000
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2018 & newer)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.30%
36 Months
▼
APR5.30%
Term36 Months
Last UpdatedMar 15, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2020 & newer)
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.45%
48 Months
▼
APR5.45%
Term48 Months
Last UpdatedMar 15, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2021 & newer)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
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
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 24, 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
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 26, 2026
Details
As Low As; Max Term: up to 60 months, Max Amount: $65,000
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 15, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2018 & newer)
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
Billing
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Auto Loan (vehicle year 2025 - 2026)
5.50%
3 Months
▼
APR5.50%
Term3 Months
Last UpdatedMar 24, 2026
Details
As Low As; 4.50%
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2020 & newer)
5.65%
48 Months
▼
APR5.65%
Term48 Months
Last UpdatedMar 15, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2021 & newer)
5.70%
60 Months
▼
APR5.70%
Term60 Months
Last UpdatedMar 15, 2026
Details
Billing
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Auto Loan (vehicle year 2025 - 2026)
5.75%
5 Months
▼
APR5.75%
Term5 Months
Last UpdatedMar 24, 2026
Details
As Low As; 4.75%
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedMar 15, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2022 & newer)
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1795 English Rd, Rochester, NY, 14616
New Automobile Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 26, 2026
Details
As Low As; Max Term: up to 72 months, Max Amount: $65,000
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Auto Loan (vehicle year 2025 - 2026)
6.00%
6 Months
▼
APR6.00%
Term6 Months
Last UpdatedMar 24, 2026
Details
As Low As; 5.00%
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2022 & newer)
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMar 15, 2026
Details
Billing
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Auto Loan (vehicle year 2025 - 2026)
6.25%
7 Months
▼
APR6.25%
Term7 Months
Last UpdatedMar 24, 2026
Details
As Low As; 5.25%
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
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
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As;; Terms over 72 months have a minimum loan amount of $30,000
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2024 & newer)
6.60%
84 Months
▼
APR6.60%
Term84 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
6.70%
84 Months
▼
APR6.70%
Term84 Months
Last UpdatedMar 15, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2024 & newer)
6.85%
84 Months
▼
APR6.85%
Term84 Months
Last UpdatedMar 15, 2026
Details
Billing
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1795 English Rd, Rochester, NY, 14616
New Automobile Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 26, 2026
Details
As Low As; Max Term: up to 84 months, Max Amount: $65,000
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
7.49%
96 Months
▼
APR7.49%
Term96 Months
Last UpdatedMar 24, 2026
Details
As Low As;; Terms over 72 months have a minimum loan amount of $30,000
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Vehicles
7.50%
2 Months
▼
APR7.50%
Term2 Months
Last UpdatedMar 24, 2026
Details
As Low As; 6.500%
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Vehicles
7.75%
4 Months
▼
APR7.75%
Term4 Months
Last UpdatedMar 24, 2026
Details
As Low As; 6.750%
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Vehicles
8.00%
5 Months
▼
APR8.00%
Term5 Months
Last UpdatedMar 24, 2026
Details
As Low As; 7.000%
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
New Vehicles
8.25%
6 Months
▼
APR8.25%
Term6 Months
Last UpdatedMar 24, 2026
Details
As Low As; 7.250%
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 24, 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 25, 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 22, 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
District #6 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Auto Loan Special - Spring into a new ride - Get your auto loan today!Vehicles 2022 & newer
3.00%
36 Months
▼
APR3.00%
Term36 Months
Last UpdatedMar 25, 2026
Details
Offer good until 4-30-2026
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
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
New Auto
3.49%
up to 48 months
▼
APR3.49%
Termup to 48 months
Last UpdatedMar 21, 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."
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
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
100 McGuinness Blvd, Brooklyn, NY, 11222
New Auto Loan
3.50%
5 years
▼
APR3.50%
Term5 years
Last UpdatedMar 21, 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.
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 24, 2026
Details
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 25, 2026
Details
District #6 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Auto Loan Special - Spring into a new ride - Get your auto loan today!Vehicles 2022 & newer
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedMar 25, 2026
Details
Offer good until 4-30-2026
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
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
New Auto
3.69%
49 - 60 months
▼
APR3.69%
Term49 - 60 months
Last UpdatedMar 21, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
New Auto (2024 or newer)
3.70%
24 to 84 months
▼
APR3.70%
Term24 to 84 months
Last UpdatedMar 24, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
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
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 25, 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 21, 2026
Details
As Low As
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
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
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
New Auto
3.99%
61 - 72 months
▼
APR3.99%
Term61 - 72 months
Last UpdatedMar 21, 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
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMar 22, 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
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedMar 23, 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.
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 24, 2026
Details
As Low As; For New Models 2026-2022
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 24, 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 25, 2026
Details
District #6 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Auto Loan Special - Spring into a new ride - Get your auto loan today!Vehicles 2022 & newer
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMar 25, 2026
Details
Offer good until 4-30-2026
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 21, 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 26, 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
New Auto Loan
4.15%
4 years
▼
APR4.15%
Term4 years
Last UpdatedMar 21, 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
4.15%
48 months
▼
APR4.15%
Term48 months
Last UpdatedMar 25, 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 48 Months
4.15%
48 Months
▼
APR4.15%
Term48 Months
Last UpdatedMar 25, 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 26, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedMar 23, 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.
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 24, 2026
Details
As Low As; For New Models 2026-2022
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 24, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 24, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans - 2 years old and newer
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 24, 2026
Details
Grade/Score: A+ /730+
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 26, 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)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedMar 16, 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 21, 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
4.25%
1 - 36
▼
APR4.25%
Term1 - 36
Last UpdatedMar 22, 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 24, 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 24, 2026
Details
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 25, 2026
Details
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
New Auto
4.49%
73 - 84 months
▼
APR4.49%
Term73 - 84 months
Last UpdatedMar 21, 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 22, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedMar 23, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedMar 24, 2026
Details
As Low As
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 24, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans
4.49%
49-66
▼
APR4.49%
Term49-66
Last UpdatedMar 24, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
New Auto Loans - 2 years old and newer
4.49%
2 Years
▼
APR4.49%
Term2 Years
Last UpdatedMar 24, 2026
Details
Grade/Score: A+ /730+
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 26, 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
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
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."
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+
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
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 21, 2026
Details
As Low As
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 22, 2026
Details
As Low As; 10% down payment
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 24, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
New Automobile
4.50%
37-48
▼
APR4.50%
Term37-48
Last UpdatedMar 24, 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 26, 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 22, 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 21, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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 24, 2026
Details
As Low As; APR*
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)
5.00%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedMar 24, 2026
Details
As Low As; APR*
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2018 & newer)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
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)
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedMar 24, 2026
Details
As Low As; APR*
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2020 & newer)
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2021 & newer)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2018 & newer)
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
Billing
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Used Vehicle (2023-2020)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2020 & newer)
5.65%
48 Months
▼
APR5.65%
Term48 Months
Last UpdatedMar 15, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2021 & newer)
5.70%
60 Months
▼
APR5.70%
Term60 Months
Last UpdatedMar 15, 2026
Details
Billing
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Car Loan Used Years 2018 to 2023
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2022 & newer)
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1795 English Rd, Rochester, NY, 14616
Used Automobile Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 26, 2026
Details
As Low As; Max Term: up to 48 months, Max Amount: $65,000
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2022 & newer)
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMar 15, 2026
Details
Billing
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Car Loan Used Years 2018 to 2023
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMar 24, 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
Used Automobile Loan
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMar 26, 2026
Details
As Low As; Max Term: up to 60 months, Max Amount: $65,000
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Used Vehicle (2019-2016)
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2024 & newer)
6.60%
84 Months
▼
APR6.60%
Term84 Months
Last UpdatedMar 15, 2026
Details
Auto Payment
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Used Vehicle (2023-2020)
6.65%
84 Months
▼
APR6.65%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Used Vehicle (2019-2016)
6.70%
66 Months
▼
APR6.70%
Term66 Months
Last UpdatedMar 21, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2024 & newer)
6.85%
84 Months
▼
APR6.85%
Term84 Months
Last UpdatedMar 15, 2026
Details
Billing
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Used Vehicle (2019-2016)
6.85%
75 Months
▼
APR6.85%
Term75 Months
Last UpdatedMar 21, 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
Used Automobile Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 26, 2026
Details
As Low As; Max Term: up to 72 months, Max Amount: $65,000
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Car Loan Used Years 2018 to 2023
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As;; Terms over 72 months have a minimum loan amount of $30,000
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles 2019-2025
7.25%
4 Months
▼
APR7.25%
Term4 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles 2017-2018
7.50%
3 Months
▼
APR7.50%
Term3 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles
8.25%
3 Months
▼
APR8.25%
Term3 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles
8.50%
4 Months
▼
APR8.50%
Term4 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles
8.75%
5 Months
▼
APR8.75%
Term5 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles 2015-2016
9.50%
2 Months
▼
APR9.50%
Term2 Months
Last UpdatedMar 24, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles
10.50%
2 Months
▼
APR10.50%
Term2 Months
Last UpdatedMar 24, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles
10.75%
3 Months
▼
APR10.75%
Term3 Months
Last UpdatedMar 24, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY, 14621
Used Vehicles
11.00%
4 Months
▼
APR11.00%
Term4 Months
Last UpdatedMar 24, 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 25, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last 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."
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
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
Used Auto
3.69%
up to 48 months
▼
APR3.69%
Termup to 48 months
Last UpdatedMar 21, 2026
Details
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 24, 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 25, 2026
Details
As Low As
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
Used Auto
3.89%
49 - 60 months
▼
APR3.89%
Term49 - 60 months
Last UpdatedMar 21, 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
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMar 21, 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 24, 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
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
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 22, 2026
Details
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 22, 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
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 21, 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 25, 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
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
Used Auto
4.19%
61 - 72 months
▼
APR4.19%
Term61 - 72 months
Last UpdatedMar 21, 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
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 24, 2026
Details
As Low As; as low as...
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedMar 22, 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 24, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
207 Genesee St, Utica, NY, 13501
Used Auto Loans - 3-6 years old
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 24, 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 24, 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
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."
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+
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
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 21, 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
Used Auto Loans
4.50%
5 years
▼
APR4.50%
Term5 years
Last UpdatedMar 21, 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 22, 2026
Details
16 - 17
Powered by
MonitorBankRates
National Auto Loan Rate Trends
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New Auto Loan — National Avg APR
6.039%
▲ 0.196 from last week
New auto loan rates rose 0.196 points this week to 6.039% APR, up from 5.843% last week.
Used Auto Loan — National Avg APR
6.644%
▲ 0.012 from last week
Used auto loan rates rose 0.012 points this week to 6.644% APR, up from 6.633% last week.
National averages as of Mar 26, 2026 • Weekly data from 8,500+ U.S. banks & credit unions
Powered byMonitorBankRates
Frequently Asked Questions about Auto Loans in Rochester, 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 Rochester, 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 Rochester, 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 Rochester, New York?
Based on our current data, some of the lowest auto loan rates available in Rochester, New York include:
- Ukrainian Federal Credit Union: 4.75% (Used Auto Loan (vehicle year 2022 - 2026))
- Advantage Federal Credit Union FCU: 4.99% (Car Loan Years 2024 & Newer)
- Greece Community Federal Credit Union: 4.99% (New Automobile Loan)
- The Summit Federal Credit Union: 5.05% (New Auto)
- St Pius X Church Federal Credit Union: 5.50% (Used Vehicle (2023-2020))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Rochester, New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 26, 2026
