Auto Loans · Troy, New York
2 credit unions in Troy report car loan rates to the NCUA. Rates range from 4.90% to 5.30%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.90%
Lowest New Car Rate
5.10%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | TROY ★ 3.8 · 69 reviews | 4.90% | 7.50% |
| 2 | NEXT STEP ★ 2.9 · 11 reviews | 5.30% | 6.51% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NEXT STEP ★ 2.9 · 11 reviews | 6.51% | 5.30% |
| 2 | TROY ★ 3.8 · 69 reviews | 7.50% | 4.90% |
A pre-approval from a Troy 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 Troy in the same window and take the best offer.
See member reviews, branch locations, and full rate details.