Credit union · NCUA insured
Affinity Federal Credit Union Auto Loan Rates
Top CarrotAffinity Federal Credit Union auto loans start at 5.54% APR for a new vehicle and 5.80% for a used one. Rates checked October 22, 2026.
How Affinity Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Affinity Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Affinity Federal Credit Union
5.54%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
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
Affinity Federal Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew5.54%
- Used vehicleUsed5.80%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Affinity 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 Loan Refinance
Requires Affinity membership with a $5 deposit to a membership eligibility account. No application fees or prepayment penalties. Vehicles eligible for refinance rates are 9 years old or newer; older model refinance rates are between 10 and 15 years old. Advertised rates include 0.25% reduction for automatic payments from an Affinity account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.45% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 48 months | 5.60% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 60 months | 5.80% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 72 months | 6.05% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 84 months | 6.35% | Includes 0.25% reduction for automatic payments from an Affinity account. |
Sources (2)
- affinityfcu.com/personal-banki…row/auto-loans/auto-loan
- affinityfcu.com/personal-banki…ans/auto-resource-center
All captured Oct 7, 2026
New Auto Loan
Requires Affinity membership with a $5 deposit to a membership eligibility account. No application fees or prepayment penalties. Vehicles eligible for new auto loan rate are current or previous model year or newer, with fewer than 2,500 miles. Advertised rates include 0.25% reduction for automatic payments from an Affinity account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.19% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 48 months | 5.34% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 60 months | 5.54% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 72 months | 5.79% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 84 months | 6.09% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 96 months | 6.87% | Includes 0.25% reduction for automatic payments from an Affinity account. |
Sources (3)
- affinityfcu.com
- affinityfcu.com/personal-banki…row/auto-loans/auto-loan
- affinityfcu.com/personal-banki…ans/auto-resource-center
All captured Oct 7, 2026
Used Auto Loan
Requires Affinity membership with a $5 deposit to a membership eligibility account. No application fees or prepayment penalties. Vehicles eligible for used auto loan rates are 9 years old or newer; older model used auto loan rates are between 10 and 15 years old. Advertised rates include 0.25% reduction for automatic payments from an Affinity account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.45% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 48 months | 5.60% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 60 months | 5.80% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 72 months | 6.05% | Includes 0.25% reduction for automatic payments from an Affinity account. |
| up to 84 months | 6.35% | Includes 0.25% reduction for automatic payments from an Affinity account. |
Sources (2)
- affinityfcu.com/personal-banki…row/auto-loans/auto-loan
- affinityfcu.com/personal-banki…ans/auto-resource-center
All captured Oct 7, 2026
Who can join Affinity Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.