Credit union · NCUA insured
Adirondack Federal Credit Union Auto Loan Rates
Adirondack Federal Credit Union auto loans start at 5.75% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Adirondack Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Massena, NY, where Adirondack Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Adirondack Federal Credit Union
5.75%APR
- Terms
- up to 60 months
New Car Loans
Lowest rate
Northern Credit Union
4.99%APR
- Terms
- —
2nd-lowest rate
Twin Rivers Federal Credit Union
4.99%APR
- Terms
- up to 60 months
Adirondack Federal Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Adirondack 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.
New Car Loans
Membership available to those who live, work, worship, or attend school in Essex, Franklin, St. Lawrence, or Clinton counties. Up to 100% financing including sales tax available when paying market value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | — |
| up to 48 months | 5.50% | — |
| up to 60 months | 5.75% | — |
| up to 72 months | 5.99% | — |
| up to 84 months | 6.25% | Applies to loan amounts over $35,000. |
Used Car Loans
Membership available to those who live, work, worship, or attend school in Essex, Franklin, St. Lawrence, or Clinton counties. Up to 100% financing including sales tax available when paying market value.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | — |
| up to 48 months | 5.75% | — |
| up to 60 months | 5.99% | — |
| up to 72 months | 6.25% | Applies to loan amounts over $30,000. |
Who can join Adirondack Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Clinton, Essex, Franklin, or select towns in St. Lawrence County, NY are eligible to join.
Family and household
- Immediate family members of individuals qualifying under the geographic field of membership are eligible to join.
Membership information collected October 5, 2026.