Credit union · NCUA insured
Academic Federal Credit Union Auto Loan Rates
Academic Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 6.00% for a used one. Rates checked October 16, 2026.
How Academic Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Academic Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Academic Federal Credit Union
4.75%APR
- Terms
- up to 84 months
- Discount
- None included
Auto Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Academic Federal Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Academic Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Payroll deduction available. Rate lock for up to 30 days upon pre-approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75% | APR as low as 4.75%. Rate based on creditworthiness and term of loan. |
| up to 60 months | 6.00% | APR as low as 6.00%. Rate based on creditworthiness and term of loan. The older the car you are looking to purchase, the shorter the financing period. |
Motorcycle Loan
Financed in the same ways as Auto Loans, with the lowest APR. Select 'Auto' under loan type on application. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75% | Financed in the same ways as Auto Loans, with the lowest APR (as low as 4.75% for new vehicles up to 84 months). |
| up to 60 months | 6.00% | Financed in the same ways as Auto Loans, with the lowest APR (as low as 6.00% for used vehicles up to 60 months). |
Who can join Academic Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees in the field of education (elementary, secondary, or post-secondary schools) within the Bronx, Brooklyn, Manhattan, Queens, Staten Island, Westchester County, and Rockland County.
- Persons retired as pensioners or annuitants from eligible education employment, as well as volunteers.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive relationships) or household members of eligible persons.
Other ways
- Spouses of persons who died while within the field of membership, and organizations of eligible persons.
Cost to join
- A $20.00 balance in a primary share account and at least one transaction per year are required to remain a member in good standing.
Membership information collected October 5, 2026.