Auto Loans · Utica, New York
3 credit unions in Utica report car loan rates to the NCUA. Rates range from 4.75% to 5.28%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.75%
Lowest New Car Rate
5.09%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | UTICA DISTRICT TELEPHONE EMPLOYEES ★ 5.0 · 3 reviews | 4.75% | 5.00% |
| 2 | ONEIDA COUNTY ★ 5.0 · 2 reviews | 5.25% | 6.00% |
| 3 | UTICA POLICE DEPARTMENT | 5.28% | 6.35% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | UTICA DISTRICT TELEPHONE EMPLOYEES ★ 5.0 · 3 reviews | 5.00% | 4.75% |
| 2 | ONEIDA COUNTY ★ 5.0 · 2 reviews | 6.00% | 5.25% |
| 3 | UTICA POLICE DEPARTMENT | 6.35% | 5.28% |
A pre-approval from a Utica 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 Utica in the same window and take the best offer.
See member reviews, branch locations, and full rate details.