Auto Loans · Oswego, New York
3 credit unions in Oswego report car loan rates to the NCUA. Rates range from 4.99% to 5.75%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.25%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | OSWEGO TEACHERS EMPLOYEES ★ 5.0 · 5 reviews | 4.99% | 5.25% |
| 2 | COMPASS ★ 4.5 · 13 reviews | 5.00% | 6.85% |
| 3 | OSWEGO COUNTY ★ 4.5 · 54 reviews | 5.75% | 6.75% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | OSWEGO TEACHERS EMPLOYEES ★ 5.0 · 5 reviews | 5.25% | 4.99% |
| 2 | OSWEGO COUNTY ★ 4.5 · 54 reviews | 6.75% | 5.75% |
| 3 | COMPASS ★ 4.5 · 13 reviews | 6.85% | 5.00% |
A pre-approval from a Oswego 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 Oswego in the same window and take the best offer.
See member reviews, branch locations, and full rate details.