Auto Loans · New Hartford, New York
4 credit unions in New Hartford report car loan rates to the NCUA. Rates range from 4.74% to 5.95%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.74%
Lowest New Car Rate
5.43%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | G.P.O. ★ 2.9 · 19 reviews | 4.74% | 5.99% |
| 2 | UTICA GAS & ELECTRIC EMP ★ 4.7 · 13 reviews | 5.49% | 5.49% |
| 3 | FIRST SOURCE ★ 3.2 · 83 reviews | 5.55% | 8.14% |
| 4 | SPECIAL METALS ★ 4.5 · 8 reviews | 5.95% | 6.25% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | UTICA GAS & ELECTRIC EMP ★ 4.7 · 13 reviews | 5.49% | 5.49% |
| 2 | G.P.O. ★ 2.9 · 19 reviews | 5.99% | 4.74% |
| 3 | SPECIAL METALS ★ 4.5 · 8 reviews | 6.25% | 5.95% |
| 4 | FIRST SOURCE ★ 3.2 · 83 reviews | 8.14% | 5.55% |
A pre-approval from a New Hartford 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 New Hartford in the same window and take the best offer.
See member reviews, branch locations, and full rate details.