Auto Loans · Jamestown, New York
2 credit unions in Jamestown report car loan rates to the NCUA. Rates range from 1.99% to 4.70%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
1.99%
Lowest New Car Rate
3.35%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | AFFINITY ONE ★ 3.5 · 19 reviews | 1.99% | 5.25% |
| 2 | JAMESTOWN AREA COMMUNITY ★ 3.8 · 11 reviews | 4.70% | 6.37% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | AFFINITY ONE ★ 3.5 · 19 reviews | 5.25% | 1.99% |
| 2 | JAMESTOWN AREA COMMUNITY ★ 3.8 · 11 reviews | 6.37% | 4.70% |
A pre-approval from a Jamestown 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 Jamestown in the same window and take the best offer.
See member reviews, branch locations, and full rate details.