Auto Loans · Ithaca, New York
3 credit unions in Ithaca report car loan rates to the NCUA. Rates range from 5.74% to 9.29%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
5.74%
Lowest New Car Rate
7.84%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BEGINNINGS ★ 2.4 · 60 reviews | 5.74% | 9.34% |
| 2 | ALTERNATIVES ★ 3.0 · 76 reviews | 8.49% | 8.49% |
| 3 | TOMPKINS EMPLOYEES ★ 5.0 · 5 reviews | 9.29% | 10.08% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ALTERNATIVES ★ 3.0 · 76 reviews | 8.49% | 8.49% |
| 2 | BEGINNINGS ★ 2.4 · 60 reviews | 9.34% | 5.74% |
| 3 | TOMPKINS EMPLOYEES ★ 5.0 · 5 reviews | 10.08% | 9.29% |
A pre-approval from a Ithaca 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 Ithaca in the same window and take the best offer.
See member reviews, branch locations, and full rate details.