Auto Loans · Watertown, New York
3 credit unions in Watertown report car loan rates to the NCUA. Rates range from 4.13% to 8.55%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.13%
Lowest New Car Rate
6.17%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WATERTOWN POSTAL | 4.13% | 4.13% |
| 2 | NORTHERN ★ 3.3 · 52 reviews | 5.82% | 6.35% |
| 3 | STATE CS EMPLOYEES ★ 5.0 · 6 reviews | 8.55% | 5.39% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WATERTOWN POSTAL | 4.13% | 4.13% |
| 2 | STATE CS EMPLOYEES ★ 5.0 · 6 reviews | 5.39% | 8.55% |
| 3 | NORTHERN ★ 3.3 · 52 reviews | 6.35% | 5.82% |
A pre-approval from a Watertown 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 Watertown in the same window and take the best offer.
See member reviews, branch locations, and full rate details.