Credit union · NCUA insured
Affinity One Federal Credit Union Auto Loan Rates
Affinity One Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Affinity One Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jamestown, NY, where Affinity One Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Affinity One Federal Credit Union
4.75%APR
- Terms
- up to 72 months
New Vehicle Loans
Lowest rate
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
2nd-lowest rate
Greater Woodlawn FCU
3.75%APR
- Terms
- up to 60 months
Affinity One Federal Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Affinity One 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 Vehicle Loans
Finance any new vehicle up to 100% of sticker price. Rates based on creditworthiness, loan-to-value ratio, and term. Enroll in direct deposit to save 0.25% on loan rate. Receive an extra 0.25% off the rate if there is 20% equity in collateral (promotional rates excluded). Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | Rate as low as. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral. |
| up to 36 months | 3.99% | Rate as low as. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral. |
| up to 48 months | 3.99% | Rate as low as. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral. |
| up to 60 months | 4.75% | Rate as low as. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral. |
| up to 72 months | 4.75% | Rate as low as. Terms greater than 60 months require a minimum loan amount of $20,000. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral. |
| up to 84 months | 5.25% | Rate as low as. Terms greater than 60 months require a minimum loan amount of $20,000; for terms beyond 72 months minimum loan amounts apply. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral. |
Used Vehicle Loans
Used autos up to 11 model years old financed up to 100% of NADA retail value. Rates based on creditworthiness, loan-to-value ratio, and term. Enroll in direct deposit to save 0.25% on loan rate. Receive an extra 0.25% off the rate if there is 20% equity in collateral (promotional rates excluded). Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | Rate as low as. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral. |
| up to 36 months | 4.99% | Rate as low as. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral. |
| up to 48 months | 4.99% | Rate as low as. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral. |
| up to 60 months | 5.50% | Rate as low as. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral. |
| up to 72 months | 5.50% | Rate as low as. Terms greater than 60 months require a minimum loan amount of $20,000. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral. |
| up to 84 months | 5.75% | Rate as low as. Terms greater than 60 months require a minimum loan amount of $20,000. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral. |
Who can join Affinity One 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 the credit union's service area (Jamestown, Busti, Carrol, Ellicott, Ellington, Gerry, Harmony, Kiantone, North Harmony, Poland) are eligible for membership.
Employers and groups
- Businesses and other legal entities located in the credit union's service area (Jamestown, Busti, Carrol, Ellicott, Ellington, Gerry, Harmony, Kiantone, North Harmony, Poland) are eligible for membership.
Family and household
- Immediate family members (defined as husband, wife, mother, father, brother, sister, child, stepchild, grandchild, and grandparent) of someone from a qualifying group are eligible for membership.
Cost to join
- Opening a membership or account requires a $25 minimum opening deposit.
Membership information collected October 5, 2026.