Auto Loans · Smithtown, New York

Best Credit Union Car Loan Rates in Smithtown, New York

1 credit union in Smithtown report car loan rates to the NCUA. Lowest rate: 5.09%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

5.09%

Lowest New Car Rate

5.09%

City Average Rate

New Vehicle Loan Rates — Smithtown, New York

1 credit union sorted by APR

#	Credit Union	New Car APR	Used Car APR
1	TEACHERS ★ 2.2 · 13 reviews	5.09%	5.43%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Used Vehicle Loan Rates — Smithtown, New York

1 credit union sorted by APR

#	Credit Union	Used Car APR	New Car APR
1	TEACHERS ★ 2.2 · 13 reviews	5.43%	5.09%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Get Pre-Approved Before the Dealership

A pre-approval from a Smithtown credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.

Rate Shopping Won't Hurt Your Credit

Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Smithtown in the same window and take the best offer.

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