Credit union · NCUA insured
Advantage Federal Credit Union Auto Loan Rates
Advantage Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 6.74% for a used one. Rates checked October 16, 2026.
How Advantage Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where Advantage Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Advantage Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 19.49% APR
Auto Loans
Lowest rate
Ontario Shores FCU
3.90%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Brockport FCU
3.99%APR
- Terms
- —
- Up to
- —
Advantage Federal Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed6.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Advantage 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
Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates are determined by past credit history and year of vehicle. Proceeds for auto refinance transactions will be payable to the creditor currently holding the lien. Proceeds for auto purchase transactions will only be payable to sellers. Limited time offer.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99%–19.49% | Model Year (Years 2024 & Newer); APR will vary from 4.99% APR to 19.49% APR based on past credit history and year of vehicle |
| up to 72 months | 5.49%–19.49% | Model Year (Years 2024 & Newer); APR will vary based on past credit history and year of vehicle |
| up to 84 months | 6.49%–19.49% | Model Year (Years 2024 & Newer); Terms over 72 months have a minimum loan amount of $30,000; APR will vary based on past credit history and year of vehicle |
| up to 96 months | 7.49%–19.49% | Model Year (Years 2024 & Newer); Terms over 72 months have a minimum loan amount of $30,000; APR will vary based on past credit history and year of vehicle |
| up to 60 months | 5.74%–19.49% | Used (Years 2018 to 2023); APR will vary based on past credit history and year of vehicle |
| up to 72 months | 6.24%–19.49% | Used (Years 2018 to 2023); APR will vary based on past credit history and year of vehicle |
| up to 60 months | 6.49%–19.49% | Older (Years 2017 and Older); APR will vary based on past credit history and year of vehicle |
| up to 72 months | 6.99%–19.49% | Older (Years 2017 and Older); APR will vary based on past credit history and year of vehicle |
Lower Payment Program Auto Loans
The Lower Payment Auto Loan Program is available only for purchase transactions from franchise dealers only and is not available to lower credit tier applicants. New or used vehicles up to 5 calendar years old qualify. Terms: 24 to 72 months. Annual Percentage Rates (APR) will vary from 5.99% APR to 8.99% APR. Rates are determined by past credit history and year of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99%–8.99% | Model Year (Years 2024 & Newer); Available only for purchase transactions from franchise dealers; Not available to lower credit tier applicants; APR will vary from 5.99% APR to 8.99% APR based on past credit history and year of vehicle |
| up to 72 months | 6.49%–8.99% | Model Year (Years 2024 & Newer); Available only for purchase transactions from franchise dealers; Not available to lower credit tier applicants; APR will vary based on past credit history and year of vehicle |
| up to 60 months | 6.74%–8.99% | Used (Years 2021 to 2023); Available only for purchase transactions from franchise dealers; Not available to lower credit tier applicants; APR will vary based on past credit history and year of vehicle |
| up to 72 months | 7.24%–8.99% | Used (Years 2021 to 2023); Available only for purchase transactions from franchise dealers; Not available to lower credit tier applicants; APR will vary based on past credit history and year of vehicle |
Sources (2)
All captured Oct 16, 2026
Who can join Advantage 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
- Membership is open to individuals who live, work, worship, volunteer, or attend school in the City of Rochester (zip codes 14604–14616, 14619–14621, 14627, 14649, or 14652).
Employers and groups
- Membership is open to employees, retirees, and volunteers of Advantage Select Employer Groups.
Military, government and schools
- Membership is open to any public, private, or parochial school, university, or college in Monroe County not currently served by a credit union.
Family and household
- Membership is open to immediate family members and household members of individuals who are eligible for membership.
Cost to join
- Membership requires purchasing and maintaining one membership share with a par value of $5.00.
Membership information collected October 5, 2026.