Credit union · NCUA insured
Alco Federal Credit Union Auto Loan Rates
Alco Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 5.70% for a used one. Rates checked October 16, 2026.
How Alco Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in New York, where Alco Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alco Federal Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 14.50% APR
New auto loans
Lowest rate
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
- Up to
- —
2nd-lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Up to
- —
Alco Federal Credit Union auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed5.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Alco 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.
1% off Auto Loan
Refinance your Auto Loan to Alco and get 1.00% OFF your current interest rate!
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.50%–13.75% | Refinance promotion: 1.00% off current interest rate. |
| up to 36 months | 4.00%–14.25% | Refinance promotion: 1.00% off current interest rate. |
Sources (1)
- alcofcu.com/1-off-auto-loan · captured Oct 7, 2026
Loan Promo: Borrow Smart. Drive Safe.
Finance or refinance an auto loan over $10,000 with Alco and receive a free car blanket and a chance to win a Deluxe Roadside Safety Kit. Promotion applies to loans funded on or after 10/1/26 – 12/31/26. While supplies last. Rates and terms subject to change without notice. Minimum loan amount is $10,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.70% | Example payment: Payments per $1,000.00 financed with a 60-month term at 5.70% APR is $19.20. Minimum loan amount is $10,000. Interest rate applied may be higher based on credit score, term, and vehicle year. Promotion period: 10/1/26 – 12/31/26. |
Sources (1)
- alcofcu.com/loan-promo-borrow-smart-drive-safe · captured Oct 7, 2026
New auto loans
Rates are based on individual credit history and term. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.50%–13.75% | Rates are based on individual credit history and term. |
| up to 36 months | 4.00%–14.25% | Rates are based on individual credit history and term. |
| up to 48 months | 4.15%–14.40% | Rates are based on individual credit history and term. |
| up to 60 months | 4.25%–14.50% | Rates are based on individual credit history and term. |
| up to 72 months | 5.00%–7.75% | Rates are based on individual credit history and term. |
| 75–84 months | 5.25%–8.75% | Rates are based on individual credit history and term. |
Sources (1)
- alcofcu.com/rates/loan-rates · captured Oct 7, 2026
Used auto loans
Rates are based on individual credit history and term. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00%–16.25% | Rates are based on individual credit history and term. |
| up to 36 months | 5.50%–16.75% | Rates are based on individual credit history and term. |
| up to 48 months | 5.60%–16.85% | Rates are based on individual credit history and term. |
| up to 60 months | 5.70%–16.95% | Rates are based on individual credit history and term. |
| up to 72 months | 6.20%–9.95% | Rates are based on individual credit history and term. |
| 75–84 months | 6.70%–10.45% | Rates are based on individual credit history and term. |
Sources (1)
- alcofcu.com/rates/loan-rates · captured Oct 7, 2026
Who can join Alco 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, and business and other legal entities located in Allegany County, Cattaraugus County, Steuben County, and Wyoming County New York and McKean County and Potter County Pennsylvania are eligible for membership.
Employers and groups
- Employees of the credit union are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Other ways
- Organizations of persons within the field of membership are eligible for membership.
- Volunteers in the community are eligible for membership.
Membership information collected October 5, 2026.