Auto Loans · Elmira, New York
2 credit unions in Elmira report car loan rates to the NCUA. Rates range from 4.97% to 6.63%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.97%
Lowest New Car Rate
5.80%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FINGER LAKES HEALTH CARE ★ 4.0 · 8 reviews | 4.97% | 5.54% |
| 2 | SOLUTIONS ★ 3.9 · 18 reviews | 6.63% | 8.50% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FINGER LAKES HEALTH CARE ★ 4.0 · 8 reviews | 5.54% | 4.97% |
| 2 | SOLUTIONS ★ 3.9 · 18 reviews | 8.50% | 6.63% |
A pre-approval from a Elmira 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 Elmira in the same window and take the best offer.
See member reviews, branch locations, and full rate details.