Auto Loans · New York
237 credit unions in New York report car loan rates to the NCUA. Rates range from 1.74% to 11.24%.
Updated Q1 2026 · NCUA Call Report data
237
CUs Reporting Rates
1.74%
Lowest New Car Rate
5.26%
State Average Rate
160
Cities Covered
237 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NIAGARA'S CHOICE Niagara Falls | 1.74% | 4.70% |
| 2 | AFFINITY ONE JAMESTOWN | 1.99% | 5.25% |
| 3 | FINGER LAKES GENEVA | 2.09% | 6.29% |
| 4 | SUFFOLK Medford | 2.59% | 2.59% |
| 5 | ENCOMPASS NIAGARA Niagara Falls | 2.70% | 4.99% |
| 6 | HUDSON RIVER COMMUNITY Corinth | 2.74% | 2.99% |
| 7 | STRATTON AIR NATIONAL GUARD SCOTIA | 2.75% | 3.75% |
| 8 | SING SING EMPLOYEES Briarcliff Mano | 2.85% | 3.00% |
| 9 | WESTCHESTER SCHOOLS' Rye Brook | 2.90% | 4.60% |
| 10 | NIAGARA-WHEATFIELD SANBORN | 2.90% | 2.90% |
| 11 | GRAND CENTRAL TERMINAL EMPLOYEES NEW YORK | 2.90% | 5.90% |
| 12 | QUORUM Purchase | 2.99% | 9.99% |
| 13 | SCF WESTCHESTER N. Y. EMPLOYEES WHITE PLAINS | 3.00% | 8.00% |
| 14 | TRANSIT VALLEY STREAM | 3.00% | 8.82% |
| 15 | NORTH TOWNS Clarence | 3.49% | 7.58% |
| 16 | POLISH & SLAVIC Brooklyn | 3.50% | 4.50% |
| 17 | GREAT NECK SCHOOL EMPLOYEES Great Neck | 3.60% | 4.20% |
| 18 | CROUSE HINDS EMPLOYEES syracuse | 3.63% | 4.69% |
| 19 | USALLIANCE Rye | 3.64% | 6.91% |
| 20 | SLOAN PUBLIC SCHOOLS Cheektowaga | 3.71% | 5.89% |
| 21 | HIGH POINT Olean | 3.79% | 3.79% |
| 22 | MERIDIA COMMUNITY HAMBURG | 3.79% | 4.09% |
| 23 | EMPIRE ONE Cheektowaga | 3.80% | 3.80% |
| 24 | COBBLESTONE COUNTRY Albion | 3.88% | 6.35% |
| 25 | DUNLOP EMPLOYEES Buffalo | 3.93% | 6.04% |
| 26 | ERIE COUNTY EMPLOYEES BUFFALO | 3.99% | 4.75% |
| 27 | SUNMARK Albany | 3.99% | 5.74% |
| 28 | MARYVALE SCHOOLS CHEEKTOWAGA | 3.99% | 3.99% |
| 29 | MOUNT VERNON NY POSTAL EMPLOYEES Mount Vernon | 4.00% | 5.09% |
| 30 | WESTSIDE COMMUNITY CHURCHVILLE | 4.00% | 5.00% |
| 31 | AFGM ENTERPRISES Cheektowaga | 4.00% | 6.00% |
| 32 | DANNEMORA PLATTSBURGH | 4.00% | 4.50% |
| 33 | GREATER METRO LONG ISLAND CIT | 4.10% | 5.55% |
| 34 | WATERTOWN POSTAL WATERTOWN | 4.13% | 4.13% |
| 35 | EDUCATIONAL AND GOVERNMENTAL Hartsdale | 4.20% | 5.90% |
| 36 | ACADEMIC BRIARCLIFF MANO | 4.21% | 4.45% |
| 37 | TRI-COUNTY Delevan | 4.21% | 6.59% |
| 38 | SYRACUSE POSTAL SYRACUSE | 4.21% | 6.04% |
| 39 | FIRST NEW YORK Albany | 4.24% | 8.99% |
| 40 | BROADVIEW Albany | 4.24% | 5.49% |
| 41 | GREAT ERIE ORCHARD PARK | 4.24% | 5.99% |
| 42 | BOULEVARD Amherst | 4.25% | 5.25% |
| 43 | GOWANDA AREA Gowanda | 4.25% | 5.25% |
| 44 | FINANCIAL TRUST Cheektowaga | 4.30% | 5.30% |
| 45 | TRIBORO POSTAL FLUSHING | 4.30% | 6.06% |
| 46 | M. C. T. AMSTERDAM | 4.32% | 5.47% |
| 47 | COOPERS CAVE Glens Falls | 4.34% | 4.67% |
| 48 | CROSSROADS COMMUNITY CHEEKTOWAGA | 4.39% | 5.55% |
| 49 | GREATER NIAGARA NIAGARA FALLS | 4.39% | 6.03% |
| 50 | MOOG EMPLOYEES EAST AURORA | 4.43% | 5.18% |
| 51 | ALLIANCE NIAGARA SANBORN | 4.47% | 6.28% |
| 52 | LOCKPORT SCHOOLS & COMMUNITY LOCKPORT | 4.47% | 6.61% |
| 53 | SWEET HOME AMHERST | 4.47% | 5.29% |
| 54 | ACCESS CLINTON | 4.49% | 5.24% |
| 55 | ROCHESTER & MONROE CO EMP Rochester | 4.49% | 5.28% |
| 56 | CIRCUIT CHEEKTOWAGA | 4.49% | 4.89% |
| 57 | TCT BALLSTON SPA | 4.50% | 5.74% |
| 58 | ONTARIO SHORES Newfane | 4.50% | 5.15% |
| 59 | GREATER WOODLAWN BLASDELL | 4.50% | 4.50% |
| 60 | UKRAINIAN ROCHESTER | 4.50% | 5.82% |
| 61 | KALEIDA HEALTH BUFFALO | 4.54% | 5.83% |
| 62 | LOWER EAST SIDE PEOPLE'S NEW YORK | 4.55% | 5.29% |
| 63 | C C S E SALAMANCA | 4.62% | 5.84% |
| 64 | AMHERST AMHERST | 4.63% | 5.73% |
| 65 | BUFFALO CONRAIL Cheektowaga | 4.64% | 5.88% |
| 66 | N C P D Plainview | 4.65% | 5.02% |
| 67 | TOWN OF HEMPSTEAD EMPLOYEES NORTH BALDWIN | 4.69% | 5.19% |
| 68 | JAMESTOWN AREA COMMUNITY Jamestown | 4.70% | 6.37% |
| 69 | GOOD NEIGHBORS Depew | 4.70% | 5.20% |
| 70 | THE HEART CENTER ROSLYN | 4.72% | 5.27% |
| 71 | GENESEE CO-OP ROCHESTER | 4.74% | 8.24% |
| 72 | G.P.O. NEW HARTFORD | 4.74% | 5.99% |
| 73 | RT ROME | 4.74% | 4.74% |
| 74 | UTICA DISTRICT TELEPHONE EMPLOYEES UTICA | 4.75% | 5.00% |
| 75 | SUMA Yonkers | 4.75% | 5.50% |
| 76 | NYM Brooklyn | 4.78% | 5.78% |
| 77 | LINTON TONAWANDA | 4.79% | 4.58% |
| 78 | OLEAN TEACHERS' AND POSTAL OLEAN | 4.82% | 4.71% |
| 79 | BUFFALO POLICE Buffalo | 4.82% | 6.11% |
| 80 | BUFFALO METROPOLITAN BUFFALO | 4.82% | 6.63% |
| 81 | SISTER'S HOSPITAL EMPLOYEES BUFFALO | 4.83% | 6.79% |
| 82 | STEWART'S Saratoga Spring | 4.84% | 5.91% |
| 83 | MONEY Syracuse | 4.85% | 6.15% |
| 84 | NIAGARA REGIONAL North Tonawanda | 4.87% | 5.86% |
| 85 | LEATHERSTOCKING REGION COOPERSTOWN | 4.89% | 4.89% |
| 86 | REMINGTON Ilion | 4.89% | 6.08% |
| 87 | MAMTA Mamaroneck | 4.90% | 4.90% |
| 88 | PORT WASHINGTON port washington | 4.90% | 6.90% |
| 89 | TROY TROY | 4.90% | 7.50% |
| 90 | NIAGARA FALLS TEACHERS Niagara Falls | 4.92% | 11.71% |
| 91 | FINGER LAKES HEALTH CARE ELMIRA | 4.97% | 5.54% |
| 92 | TONAWANDA VALLEY Batavia | 4.99% | 4.49% |
| 93 | OCEAN FINANCIAL Oceanside | 4.99% | 5.14% |
| 94 | PALISADES Pearl River | 4.99% | 6.99% |
| 95 | GATES CHILI Rochester | 4.99% | 4.99% |
| 96 | OSWEGO TEACHERS EMPLOYEES OSWEGO | 4.99% | 5.25% |
| 97 | FASNY ALBANY | 4.99% | 5.25% |
| 98 | SERVU Painted Post | 4.99% | 5.49% |
| 99 | NEW YORK TIMES EMPLOYEES NEW YORK | 4.99% | 4.99% |
| 100 | MEDICAL EMPLOYEES OF STATEN ISLAND STATEN ISLAND | 5.00% | 5.50% |
| 101 | PITTSFORD PITTSFORD | 5.00% | 5.00% |
| 102 | TRANSIT AUTHORITY DIVISION B New York | 5.00% | 6.00% |
| 103 | UNITED NATIONS LONG ISLAND CIT | 5.00% | 5.00% |
| 104 | CROUSE SYRACUSE | 5.00% | 5.75% |
| 105 | COMPASS Oswego | 5.00% | 6.85% |
| 106 | SENECA NATION OF INDIANS IRVING | 5.00% | 6.25% |
| 107 | ED-MED OGDENSBURG | 5.00% | 5.50% |
| 108 | SAINT LAWRENCE Ogdensburg | 5.00% | 5.75% |
| 109 | SUNY FREDONIA FREDONIA | 5.02% | 5.83% |
| 110 | WILLIAMSVILLE Amherst | 5.07% | 5.23% |
| 111 | ONE CREDIT UNION OF NY Cheektowaga | 5.08% | 5.44% |
| 112 | TEACHERS Smithtown | 5.09% | 5.43% |
| 113 | KENMORE N. Y. TEACHERS Buffalo | 5.10% | 6.14% |
| 114 | SPENCERPORT Spencerport | 5.12% | 6.05% |
| 115 | NASSAU FINANCIAL East Meadow | 5.14% | 5.39% |
| 116 | DISTRICT #6 Hornell | 5.17% | 5.66% |
| 117 | NIAGARA FALLS A F Niagara Falls | 5.18% | 7.36% |
| 118 | MEDISYS EMPLOYEES JAMAICA | 5.20% | 5.55% |
| 119 | THE SUMMIT ROCHESTER | 5.20% | 5.40% |
| 120 | DIRECTORS CHOICE ALBANY | 5.21% | 6.09% |
| 121 | WESTERN DIVISION WILLIAMSVILLE | 5.24% | 5.49% |
| 122 | CVPH EMPLOYEES PLATTSBURGH | 5.24% | 5.74% |
| 123 | UKRAINIAN NATIONAL NEW YORK | 5.25% | 5.50% |
| 124 | ONEIDA COUNTY UTICA | 5.25% | 6.00% |
| 125 | SECNY SYRACUSE | 5.25% | 6.51% |
| 126 | INNER LAKES Westfield | 5.25% | 7.07% |
| 127 | PLATTSBURGH CITY SCHOOL DISTRICT Plattsburgh | 5.25% | 10.95% |
| 128 | GRIFFITH INSTITUTE EMPLOYEES Springville | 5.25% | 6.25% |
| 129 | ALCO Wellsville | 5.27% | 6.99% |
| 130 | UTICA POLICE DEPARTMENT UTICA | 5.28% | 6.35% |
| 131 | NEW COVENANT DOMINION Bronx | 5.29% | 9.40% |
| 132 | NEXT STEP Troy | 5.30% | 6.51% |
| 133 | STEUBEN CITIZENS BATH | 5.30% | 5.12% |
| 134 | RADIUS Kenmore | 5.32% | 6.95% |
| 135 | GREAT MEADOW Hudson Falls | 5.36% | 8.95% |
| 136 | WESTERN NEW YORK West Seneca | 5.38% | 6.57% |
| 137 | LOCAL 41 I.B.E.W. ORCHARD PARK | 5.42% | 5.04% |
| 138 | VAN CORTLANDT COOPERATIVE BRONX | 5.42% | 6.05% |
| 139 | LOCAL 804 Port Washington | 5.43% | 7.23% |
| 140 | TONAWANDA COMMUNITY Buffalo | 5.44% | 6.14% |
| 141 | PEOPLE'S ALLIANCE Hauppauge | 5.45% | 5.75% |
| 142 | TWIN RIVERS Massena | 5.45% | 6.81% |
| 143 | UTICA GAS & ELECTRIC EMP NEW HARTFORD | 5.49% | 5.49% |
| 144 | ACTORS NEW YORK | 5.49% | 5.49% |
| 145 | U. H. S. EMPLOYEES Johnson City | 5.49% | 6.49% |
| 146 | MUNICIPAL NEW YORK | 5.49% | 5.74% |
| 147 | RELIANT COMMUNITY Sodus | 5.49% | 4.99% |
| 148 | VISIONS ENDICOTT | 5.49% | 6.99% |
| 149 | ADVANTAGE Rochester | 5.49% | 6.24% |
| 150 | YONKERS TEACHERS Yonkers | 5.50% | 6.99% |
| 151 | LONG BEACH TEACHERS Long Beach | 5.50% | — |
| 152 | ADIRONDACK REGIONAL TUPPER LAKE | 5.50% | 5.75% |
| 153 | SCHENECTADY COUNTY EMPLOYEES Schenectady | 5.50% | 6.50% |
| 154 | COXSACKIE CORRECTIONAL EMP. Coxsackie | 5.50% | 9.00% |
| 155 | ST. PIUS X CHURCH ROCHESTER | 5.50% | 5.75% |
| 156 | ALLEGANY FIRST Fillmore | 5.53% | 7.12% |
| 157 | CORNERSTONE COMMUNITY LOCKPORT | 5.54% | 5.54% |
| 158 | FIRST SOURCE New Hartford | 5.55% | 8.14% |
| 159 | NEIGHBORHOOD TRUST New York | 5.56% | 6.48% |
| 160 | SJP Buffalo | 5.58% | 8.04% |
| 161 | SALT CITY Solvay | 5.61% | 6.50% |
| 162 | WESTAR CAMILLUS | 5.65% | 6.72% |
| 163 | O AND R UTILITIES EMPLOYEES Monroe | 5.69% | 7.79% |
| 164 | FIRST HERITAGE Corning | 5.70% | 7.73% |
| 165 | AUBURN COMMUNITY AUBURN | 5.74% | 5.99% |
| 166 | GENESEE VALLEY GENESEO | 5.74% | 7.74% |
| 167 | BEGINNINGS Ithaca | 5.74% | 9.34% |
| 168 | OSWEGO COUNTY OSWEGO | 5.75% | 6.75% |
| 169 | MOHAWK VALLEY MARCY | 5.75% | 7.64% |
| 170 | COMMUNITY RESOURCE Latham | 5.76% | 7.90% |
| 171 | NORTHERN WATERTOWN | 5.82% | 6.35% |
| 172 | GREECE COMMUNITY ROCHESTER | 5.86% | 7.41% |
| 173 | TRUNORTHERN Malone | 5.87% | 7.79% |
| 174 | CORNING Corning | 5.89% | 7.15% |
| 175 | FIRST CHOICE FINANCIAL Gloversville | 5.90% | 6.80% |
| 176 | BECCO BUFFALO Tonawanda | 5.90% | 7.50% |
| 177 | LUFTHANSA EMP. WESTBURY | 5.91% | 5.82% |
| 178 | ROME Rome | 5.93% | 7.53% |
| 179 | METRO REALTORS Melville | 5.94% | 5.63% |
| 180 | SPECIAL METALS NEW HARTFORD | 5.95% | 6.25% |
| 181 | DIVISION 726 STATEN ISLAND | 5.95% | 7.95% |
| 182 | TOWN OF CHEEKTOWAGA CHEEKTOWAGA | 5.97% | 5.85% |
| 183 | UFIRST Plattsburgh | 5.98% | 7.23% |
| 184 | SELF RELIANCE FINANCIAL New York | 5.99% | 6.49% |
| 185 | AMERICAN BROADCAST EMPLOYEES Rockville Centr | 5.99% | 6.50% |
| 186 | UPSTATE TELCO Gloversville | 6.00% | 6.00% |
| 187 | LE ROY LE ROY | 6.00% | 6.00% |
| 188 | ROCKLAND EMPLOYEES Spring Valley | 6.02% | 8.14% |
| 189 | SARATOGA'S COMMUNITY Saratoga Spring | 6.14% | 5.15% |
| 190 | ISLAND Hauppauge | 6.15% | 6.61% |
| 191 | BROCKPORT Brockport | 6.17% | 9.90% |
| 192 | JOVIA FINANCIAL WESTBURY | 6.18% | 6.89% |
| 193 | PARKS HERITAGE GLENS FALLS | 6.19% | 8.50% |
| 194 | TRAILNORTH Ticonderoga | 6.24% | 6.74% |
| 195 | EASTERN OPERATING ENGINEERS Whitestone | 6.25% | 6.99% |
| 196 | TRI-LAKES SARANAC LAKE | 6.25% | 6.50% |
| 197 | EVER $ GREEN ROCHESTER | 6.25% | 7.00% |
| 198 | GREATER CHAUTAUQUA FALCONER | 6.28% | 7.12% |
| 199 | N Y TEAM Ronkonkoma | 6.29% | 7.72% |
| 200 | CONSUMERS Brooklyn | 6.33% | 6.96% |
| 201 | AMERICU Rome | 6.39% | 8.52% |
| 202 | CHEN-DEL-O FRANKLIN | 6.39% | 4.75% |
| 203 | THE FINEST New York | 6.45% | 5.38% |
| 204 | MID-HUDSON VALLEY Kingston | 6.46% | 7.41% |
| 205 | SOUTHERN CHAUTAUQUA Lakewood | 6.49% | 17.99% |
| 206 | EMPOWER Syracuse | 6.49% | 6.74% |
| 207 | LONG ISLAND ALLIANCE HAUPPAUGE | 6.49% | 6.99% |
| 208 | SYRACUSE COOPERATIVE Syracuse | 6.50% | 6.69% |
| 209 | ESL Rochester | 6.54% | 6.54% |
| 210 | HUDSON VALLEY Poughkeepsie | 6.54% | 6.84% |
| 211 | I AM New York | 6.56% | 6.82% |
| 212 | SOLUTIONS ELMIRA | 6.63% | 8.50% |
| 213 | TEG POUGHKEEPSIE | 6.71% | 7.76% |
| 214 | SEA COMM MASSENA | 6.74% | 6.74% |
| 215 | ULSTER Kingston | 6.75% | 7.25% |
| 216 | CADETS ELMA | 6.81% | 6.83% |
| 217 | KOREAN AMERICAN CATHOLICS FLUSHING | 6.99% | 7.99% |
| 218 | CANANDAIGUA CANANDAIGUA | 6.99% | 8.99% |
| 219 | MORTON LANE BUFFALO | 7.00% | 8.00% |
| 220 | NY FIREFIGHTERS BRAVEST albany | 7.00% | 8.50% |
| 221 | FAMILY FIRST OF NY ROCHESTER | 7.06% | 7.57% |
| 222 | HERITAGE FINANCIAL Middletown | 7.09% | 8.00% |
| 223 | QSIDE Queens Village | 7.24% | 8.49% |
| 224 | SYRACUSE FIRE DEPARTMENT EMPLOYEES SYRACUSE | 7.24% | 7.99% |
| 225 | SIDNEY Sidney | 7.29% | 7.79% |
| 226 | UPSTATE MILK EMPLOYEES Lancaster | 7.42% | 9.00% |
| 227 | AKRON SCHOOL EMPLOYEES Akron | 7.50% | 8.25% |
| 228 | NEW YORK UNIVERSITY New York | 7.80% | 5.60% |
| 229 | EVEREST Jackson Heights | 7.88% | 8.72% |
| 230 | CO-OPERATIVE WOODRIDGE | 7.99% | 8.99% |
| 231 | ELEKTRA New York | 8.00% | 10.00% |
| 232 | GHS Binghamton | 8.19% | 10.57% |
| 233 | FOURLEAF Bethpage | 8.34% | 8.47% |
| 234 | ALTERNATIVES Ithaca | 8.49% | 8.49% |
| 235 | STATE CS EMPLOYEES WATERTOWN | 8.55% | 5.39% |
| 236 | TOMPKINS EMPLOYEES Ithaca | 9.29% | 10.08% |
| 237 | ATT-WYO CORRECTIONAL EMPLOYEES Attica | 11.24% | 11.24% |
239 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SUFFOLK Medford | 2.59% | 2.59% |
| 2 | NIAGARA-WHEATFIELD SANBORN | 2.90% | 2.90% |
| 3 | HUDSON RIVER COMMUNITY Corinth | 2.99% | 2.74% |
| 4 | SING SING EMPLOYEES Briarcliff Mano | 3.00% | 2.85% |
| 5 | FIDELIS New York | 3.50% | — |
| 6 | STRATTON AIR NATIONAL GUARD SCOTIA | 3.75% | 2.75% |
| 7 | HIGH POINT Olean | 3.79% | 3.79% |
| 8 | EMPIRE ONE Cheektowaga | 3.80% | 3.80% |
| 9 | MARYVALE SCHOOLS CHEEKTOWAGA | 3.99% | 3.99% |
| 10 | MERIDIA COMMUNITY HAMBURG | 4.09% | 3.79% |
| 11 | WATERTOWN POSTAL WATERTOWN | 4.13% | 4.13% |
| 12 | GREAT NECK SCHOOL EMPLOYEES Great Neck | 4.20% | 3.60% |
| 13 | ACADEMIC BRIARCLIFF MANO | 4.45% | 4.21% |
| 14 | TONAWANDA VALLEY Batavia | 4.49% | 4.99% |
| 15 | POLISH & SLAVIC Brooklyn | 4.50% | 3.50% |
| 16 | DANNEMORA PLATTSBURGH | 4.50% | 4.00% |
| 17 | GREATER WOODLAWN BLASDELL | 4.50% | 4.50% |
| 18 | LINTON TONAWANDA | 4.58% | 4.79% |
| 19 | WESTCHESTER SCHOOLS' Rye Brook | 4.60% | 2.90% |
| 20 | COOPERS CAVE Glens Falls | 4.67% | 4.34% |
| 21 | CROUSE HINDS EMPLOYEES syracuse | 4.69% | 3.63% |
| 22 | NIAGARA'S CHOICE Niagara Falls | 4.70% | 1.74% |
| 23 | OLEAN TEACHERS' AND POSTAL OLEAN | 4.71% | 4.82% |
| 24 | RT ROME | 4.74% | 4.74% |
| 25 | ERIE COUNTY EMPLOYEES BUFFALO | 4.75% | 3.99% |
| 26 | CHEN-DEL-O FRANKLIN | 4.75% | 6.39% |
| 27 | CIRCUIT CHEEKTOWAGA | 4.89% | 4.49% |
| 28 | LEATHERSTOCKING REGION COOPERSTOWN | 4.89% | 4.89% |
| 29 | MAMTA Mamaroneck | 4.90% | 4.90% |
| 30 | ENCOMPASS NIAGARA Niagara Falls | 4.99% | 2.70% |
| 31 | GATES CHILI Rochester | 4.99% | 4.99% |
| 32 | NEW YORK TIMES EMPLOYEES NEW YORK | 4.99% | 4.99% |
| 33 | RELIANT COMMUNITY Sodus | 4.99% | 5.49% |
| 34 | WESTSIDE COMMUNITY CHURCHVILLE | 5.00% | 4.00% |
| 35 | UTICA DISTRICT TELEPHONE EMPLOYEES UTICA | 5.00% | 4.75% |
| 36 | PITTSFORD PITTSFORD | 5.00% | 5.00% |
| 37 | UNITED NATIONS LONG ISLAND CIT | 5.00% | 5.00% |
| 38 | N C P D Plainview | 5.02% | 4.65% |
| 39 | LOCAL 41 I.B.E.W. ORCHARD PARK | 5.04% | 5.42% |
| 40 | MOUNT VERNON NY POSTAL EMPLOYEES Mount Vernon | 5.09% | 4.00% |
| 41 | STEUBEN CITIZENS BATH | 5.12% | 5.30% |
| 42 | OCEAN FINANCIAL Oceanside | 5.14% | 4.99% |
| 43 | ONTARIO SHORES Newfane | 5.15% | 4.50% |
| 44 | SARATOGA'S COMMUNITY Saratoga Spring | 5.15% | 6.14% |
| 45 | MOOG EMPLOYEES EAST AURORA | 5.18% | 4.43% |
| 46 | TOWN OF HEMPSTEAD EMPLOYEES NORTH BALDWIN | 5.19% | 4.69% |
| 47 | GOOD NEIGHBORS Depew | 5.20% | 4.70% |
| 48 | WILLIAMSVILLE Amherst | 5.23% | 5.07% |
| 49 | ACCESS CLINTON | 5.24% | 4.49% |
| 50 | AFFINITY ONE JAMESTOWN | 5.25% | 1.99% |
| 51 | BOULEVARD Amherst | 5.25% | 4.25% |
| 52 | GOWANDA AREA Gowanda | 5.25% | 4.25% |
| 53 | OSWEGO TEACHERS EMPLOYEES OSWEGO | 5.25% | 4.99% |
| 54 | FASNY ALBANY | 5.25% | 4.99% |
| 55 | THE HEART CENTER ROSLYN | 5.27% | 4.72% |
| 56 | ROCHESTER & MONROE CO EMP Rochester | 5.28% | 4.49% |
| 57 | SWEET HOME AMHERST | 5.29% | 4.47% |
| 58 | LOWER EAST SIDE PEOPLE'S NEW YORK | 5.29% | 4.55% |
| 59 | FINANCIAL TRUST Cheektowaga | 5.30% | 4.30% |
| 60 | THE FINEST New York | 5.38% | 6.45% |
| 61 | NASSAU FINANCIAL East Meadow | 5.39% | 5.14% |
| 62 | STATE CS EMPLOYEES WATERTOWN | 5.39% | 8.55% |
| 63 | THE SUMMIT ROCHESTER | 5.40% | 5.20% |
| 64 | TEACHERS Smithtown | 5.43% | 5.09% |
| 65 | ONE CREDIT UNION OF NY Cheektowaga | 5.44% | 5.08% |
| 66 | M. C. T. AMSTERDAM | 5.47% | 4.32% |
| 67 | BROADVIEW Albany | 5.49% | 4.24% |
| 68 | SERVU Painted Post | 5.49% | 4.99% |
| 69 | WESTERN DIVISION WILLIAMSVILLE | 5.49% | 5.24% |
| 70 | UTICA GAS & ELECTRIC EMP NEW HARTFORD | 5.49% | 5.49% |
| 71 | ACTORS NEW YORK | 5.49% | 5.49% |
| 72 | SUMA Yonkers | 5.50% | 4.75% |
| 73 | MEDICAL EMPLOYEES OF STATEN ISLAND STATEN ISLAND | 5.50% | 5.00% |
| 74 | ED-MED OGDENSBURG | 5.50% | 5.00% |
| 75 | UKRAINIAN NATIONAL NEW YORK | 5.50% | 5.25% |
| 76 | FINGER LAKES HEALTH CARE ELMIRA | 5.54% | 4.97% |
| 77 | CORNERSTONE COMMUNITY LOCKPORT | 5.54% | 5.54% |
| 78 | GREATER METRO LONG ISLAND CIT | 5.55% | 4.10% |
| 79 | CROSSROADS COMMUNITY CHEEKTOWAGA | 5.55% | 4.39% |
| 80 | MEDISYS EMPLOYEES JAMAICA | 5.55% | 5.20% |
| 81 | NEW YORK UNIVERSITY New York | 5.60% | 7.80% |
| 82 | METRO REALTORS Melville | 5.63% | 5.94% |
| 83 | DISTRICT #6 Hornell | 5.66% | 5.17% |
| 84 | AMHERST AMHERST | 5.73% | 4.63% |
| 85 | SUNMARK Albany | 5.74% | 3.99% |
| 86 | TCT BALLSTON SPA | 5.74% | 4.50% |
| 87 | CVPH EMPLOYEES PLATTSBURGH | 5.74% | 5.24% |
| 88 | MUNICIPAL NEW YORK | 5.74% | 5.49% |
| 89 | CROUSE SYRACUSE | 5.75% | 5.00% |
| 90 | SAINT LAWRENCE Ogdensburg | 5.75% | 5.00% |
| 91 | PEOPLE'S ALLIANCE Hauppauge | 5.75% | 5.45% |
| 92 | ADIRONDACK REGIONAL TUPPER LAKE | 5.75% | 5.50% |
| 93 | ST. PIUS X CHURCH ROCHESTER | 5.75% | 5.50% |
| 94 | NYM Brooklyn | 5.78% | 4.78% |
| 95 | UKRAINIAN ROCHESTER | 5.82% | 4.50% |
| 96 | LUFTHANSA EMP. WESTBURY | 5.82% | 5.91% |
| 97 | KALEIDA HEALTH BUFFALO | 5.83% | 4.54% |
| 98 | SUNY FREDONIA FREDONIA | 5.83% | 5.02% |
| 99 | C C S E SALAMANCA | 5.84% | 4.62% |
| 100 | TOWN OF CHEEKTOWAGA CHEEKTOWAGA | 5.85% | 5.97% |
| 101 | NIAGARA REGIONAL North Tonawanda | 5.86% | 4.87% |
| 102 | BUFFALO CONRAIL Cheektowaga | 5.88% | 4.64% |
| 103 | SLOAN PUBLIC SCHOOLS Cheektowaga | 5.89% | 3.71% |
| 104 | GRAND CENTRAL TERMINAL EMPLOYEES NEW YORK | 5.90% | 2.90% |
| 105 | EDUCATIONAL AND GOVERNMENTAL Hartsdale | 5.90% | 4.20% |
| 106 | STEWART'S Saratoga Spring | 5.91% | 4.84% |
| 107 | GREAT ERIE ORCHARD PARK | 5.99% | 4.24% |
| 108 | G.P.O. NEW HARTFORD | 5.99% | 4.74% |
| 109 | AUBURN COMMUNITY AUBURN | 5.99% | 5.74% |
| 110 | AFGM ENTERPRISES Cheektowaga | 6.00% | 4.00% |
| 111 | TRANSIT AUTHORITY DIVISION B New York | 6.00% | 5.00% |
| 112 | ONEIDA COUNTY UTICA | 6.00% | 5.25% |
| 113 | UPSTATE TELCO Gloversville | 6.00% | 6.00% |
| 114 | LE ROY LE ROY | 6.00% | 6.00% |
| 115 | GREATER NIAGARA NIAGARA FALLS | 6.03% | 4.39% |
| 116 | DUNLOP EMPLOYEES Buffalo | 6.04% | 3.93% |
| 117 | SYRACUSE POSTAL SYRACUSE | 6.04% | 4.21% |
| 118 | SPENCERPORT Spencerport | 6.05% | 5.12% |
| 119 | VAN CORTLANDT COOPERATIVE BRONX | 6.05% | 5.42% |
| 120 | TRIBORO POSTAL FLUSHING | 6.06% | 4.30% |
| 121 | ST. JOHN UNITED Buffalo | 6.07% | — |
| 122 | REMINGTON Ilion | 6.08% | 4.89% |
| 123 | DIRECTORS CHOICE ALBANY | 6.09% | 5.21% |
| 124 | BUFFALO POLICE Buffalo | 6.11% | 4.82% |
| 125 | KENMORE N. Y. TEACHERS Buffalo | 6.14% | 5.10% |
| 126 | TONAWANDA COMMUNITY Buffalo | 6.14% | 5.44% |
| 127 | MONEY Syracuse | 6.15% | 4.85% |
| 128 | ADVANTAGE Rochester | 6.24% | 5.49% |
| 129 | SENECA NATION OF INDIANS IRVING | 6.25% | 5.00% |
| 130 | GRIFFITH INSTITUTE EMPLOYEES Springville | 6.25% | 5.25% |
| 131 | SPECIAL METALS NEW HARTFORD | 6.25% | 5.95% |
| 132 | ALLIANCE NIAGARA SANBORN | 6.28% | 4.47% |
| 133 | FINGER LAKES GENEVA | 6.29% | 2.09% |
| 134 | COBBLESTONE COUNTRY Albion | 6.35% | 3.88% |
| 135 | UTICA POLICE DEPARTMENT UTICA | 6.35% | 5.28% |
| 136 | NORTHERN WATERTOWN | 6.35% | 5.82% |
| 137 | JAMESTOWN AREA COMMUNITY Jamestown | 6.37% | 4.70% |
| 138 | NEIGHBORHOOD TRUST New York | 6.48% | 5.56% |
| 139 | U. H. S. EMPLOYEES Johnson City | 6.49% | 5.49% |
| 140 | SELF RELIANCE FINANCIAL New York | 6.49% | 5.99% |
| 141 | SCHENECTADY COUNTY EMPLOYEES Schenectady | 6.50% | 5.50% |
| 142 | SALT CITY Solvay | 6.50% | 5.61% |
| 143 | AMERICAN BROADCAST EMPLOYEES Rockville Centr | 6.50% | 5.99% |
| 144 | TRI-LAKES SARANAC LAKE | 6.50% | 6.25% |
| 145 | SECNY SYRACUSE | 6.51% | 5.25% |
| 146 | NEXT STEP Troy | 6.51% | 5.30% |
| 147 | ESL Rochester | 6.54% | 6.54% |
| 148 | WESTERN NEW YORK West Seneca | 6.57% | 5.38% |
| 149 | TRI-COUNTY Delevan | 6.59% | 4.21% |
| 150 | LOCKPORT SCHOOLS & COMMUNITY LOCKPORT | 6.61% | 4.47% |
| 151 | ISLAND Hauppauge | 6.61% | 6.15% |
| 152 | BUFFALO METROPOLITAN BUFFALO | 6.63% | 4.82% |
| 153 | SYRACUSE COOPERATIVE Syracuse | 6.69% | 6.50% |
| 154 | WESTAR CAMILLUS | 6.72% | 5.65% |
| 155 | TRAILNORTH Ticonderoga | 6.74% | 6.24% |
| 156 | EMPOWER Syracuse | 6.74% | 6.49% |
| 157 | SEA COMM MASSENA | 6.74% | 6.74% |
| 158 | OSWEGO COUNTY OSWEGO | 6.75% | 5.75% |
| 159 | SISTER'S HOSPITAL EMPLOYEES BUFFALO | 6.79% | 4.83% |
| 160 | FIRST CHOICE FINANCIAL Gloversville | 6.80% | 5.90% |
| 161 | TWIN RIVERS Massena | 6.81% | 5.45% |
| 162 | I AM New York | 6.82% | 6.56% |
| 163 | CADETS ELMA | 6.83% | 6.81% |
| 164 | HUDSON VALLEY Poughkeepsie | 6.84% | 6.54% |
| 165 | COMPASS Oswego | 6.85% | 5.00% |
| 166 | JOVIA FINANCIAL WESTBURY | 6.89% | 6.18% |
| 167 | PORT WASHINGTON port washington | 6.90% | 4.90% |
| 168 | USALLIANCE Rye | 6.91% | 3.64% |
| 169 | RADIUS Kenmore | 6.95% | 5.32% |
| 170 | CONSUMERS Brooklyn | 6.96% | 6.33% |
| 171 | PALISADES Pearl River | 6.99% | 4.99% |
| 172 | ALCO Wellsville | 6.99% | 5.27% |
| 173 | VISIONS ENDICOTT | 6.99% | 5.49% |
| 174 | YONKERS TEACHERS Yonkers | 6.99% | 5.50% |
| 175 | EASTERN OPERATING ENGINEERS Whitestone | 6.99% | 6.25% |
| 176 | LONG ISLAND ALLIANCE HAUPPAUGE | 6.99% | 6.49% |
| 177 | EVER $ GREEN ROCHESTER | 7.00% | 6.25% |
| 178 | INNER LAKES Westfield | 7.07% | 5.25% |
| 179 | SAINT JOHN A M E NIAGARA FALLS | 7.08% | — |
| 180 | ALLEGANY FIRST Fillmore | 7.12% | 5.53% |
| 181 | GREATER CHAUTAUQUA FALCONER | 7.12% | 6.28% |
| 182 | CORNING Corning | 7.15% | 5.89% |
| 183 | LOCAL 804 Port Washington | 7.23% | 5.43% |
| 184 | UFIRST Plattsburgh | 7.23% | 5.98% |
| 185 | ULSTER Kingston | 7.25% | 6.75% |
| 186 | NIAGARA FALLS A F Niagara Falls | 7.36% | 5.18% |
| 187 | GREECE COMMUNITY ROCHESTER | 7.41% | 5.86% |
| 188 | MID-HUDSON VALLEY Kingston | 7.41% | 6.46% |
| 189 | TROY TROY | 7.50% | 4.90% |
| 190 | BECCO BUFFALO Tonawanda | 7.50% | 5.90% |
| 191 | ROME Rome | 7.53% | 5.93% |
| 192 | FAMILY FIRST OF NY ROCHESTER | 7.57% | 7.06% |
| 193 | NORTH TOWNS Clarence | 7.58% | 3.49% |
| 194 | MOHAWK VALLEY MARCY | 7.64% | 5.75% |
| 195 | N Y TEAM Ronkonkoma | 7.72% | 6.29% |
| 196 | FIRST HERITAGE Corning | 7.73% | 5.70% |
| 197 | GENESEE VALLEY GENESEO | 7.74% | 5.74% |
| 198 | TEG POUGHKEEPSIE | 7.76% | 6.71% |
| 199 | O AND R UTILITIES EMPLOYEES Monroe | 7.79% | 5.69% |
| 200 | TRUNORTHERN Malone | 7.79% | 5.87% |
| 201 | SIDNEY Sidney | 7.79% | 7.29% |
| 202 | COMMUNITY RESOURCE Latham | 7.90% | 5.76% |
| 203 | DIVISION 726 STATEN ISLAND | 7.95% | 5.95% |
| 204 | KOREAN AMERICAN CATHOLICS FLUSHING | 7.99% | 6.99% |
| 205 | SYRACUSE FIRE DEPARTMENT EMPLOYEES SYRACUSE | 7.99% | 7.24% |
| 206 | SCF WESTCHESTER N. Y. EMPLOYEES WHITE PLAINS | 8.00% | 3.00% |
| 207 | MORTON LANE BUFFALO | 8.00% | 7.00% |
| 208 | HERITAGE FINANCIAL Middletown | 8.00% | 7.09% |
| 209 | SJP Buffalo | 8.04% | 5.58% |
| 210 | FIRST SOURCE New Hartford | 8.14% | 5.55% |
| 211 | ROCKLAND EMPLOYEES Spring Valley | 8.14% | 6.02% |
| 212 | GENESEE CO-OP ROCHESTER | 8.24% | 4.74% |
| 213 | AKRON SCHOOL EMPLOYEES Akron | 8.25% | 7.50% |
| 214 | FOURLEAF Bethpage | 8.47% | 8.34% |
| 215 | QSIDE Queens Village | 8.49% | 7.24% |
| 216 | ALTERNATIVES Ithaca | 8.49% | 8.49% |
| 217 | PARKS HERITAGE GLENS FALLS | 8.50% | 6.19% |
| 218 | SOLUTIONS ELMIRA | 8.50% | 6.63% |
| 219 | NY FIREFIGHTERS BRAVEST albany | 8.50% | 7.00% |
| 220 | AMERICU Rome | 8.52% | 6.39% |
| 221 | EVEREST Jackson Heights | 8.72% | 7.88% |
| 222 | TRANSIT VALLEY STREAM | 8.82% | 3.00% |
| 223 | GREAT MEADOW Hudson Falls | 8.95% | 5.36% |
| 224 | FIRST NEW YORK Albany | 8.99% | 4.24% |
| 225 | CANANDAIGUA CANANDAIGUA | 8.99% | 6.99% |
| 226 | CO-OPERATIVE WOODRIDGE | 8.99% | 7.99% |
| 227 | COXSACKIE CORRECTIONAL EMP. Coxsackie | 9.00% | 5.50% |
| 228 | UPSTATE MILK EMPLOYEES Lancaster | 9.00% | 7.42% |
| 229 | BEGINNINGS Ithaca | 9.34% | 5.74% |
| 230 | NEW COVENANT DOMINION Bronx | 9.40% | 5.29% |
| 231 | BROCKPORT Brockport | 9.90% | 6.17% |
| 232 | QUORUM Purchase | 9.99% | 2.99% |
| 233 | ELEKTRA New York | 10.00% | 8.00% |
| 234 | TOMPKINS EMPLOYEES Ithaca | 10.08% | 9.29% |
| 235 | GHS Binghamton | 10.57% | 8.19% |
| 236 | PLATTSBURGH CITY SCHOOL DISTRICT Plattsburgh | 10.95% | 5.25% |
| 237 | ATT-WYO CORRECTIONAL EMPLOYEES Attica | 11.24% | 11.24% |
| 238 | NIAGARA FALLS TEACHERS Niagara Falls | 11.71% | 4.92% |
| 239 | SOUTHERN CHAUTAUQUA Lakewood | 17.99% | 6.49% |
Most community credit unions in New York accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.