Credit union · NCUA insured
Allegany First Auto Loan Rates
Top CarrotAllegany First auto loans start at 3.50% APR for a new vehicle and 3.50% for a used one. Rates checked October 16, 2026.
How Allegany First’s auto loan rates compare
Compared with banks and credit unions in New York, where Allegany First has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Allegany First
3.50%APR
- Terms
- up to 60 months
Vehicle Loans
Lowest rate
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
2nd-lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
Allegany First auto loan score
98
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.50%
- Used vehicleUsed3.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Allegany First 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.
Vehicle Loans
Rates quoted represent the range of rates available. Rates are based on the type of loan, amount of loan and evaluation of credit. Collision & Comprehensive Insurance required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.25% | Model Year 2025 or Newer. |
| up to 60 months | 3.50% | Model Year 2025 or Newer. |
| up to 72 months | 4.00% | Model Year 2025 or Newer. |
| up to 84 months | 4.50% | Model Year 2025 or Newer. |
| up to 48 months | 4.00% | Model Year 2024-2020. |
| up to 60 months | 4.25% | Model Year 2024-2020. |
| up to 72 months | 4.50% | Model Year 2024-2020. Minimum loan amount of $20,000 for 72 month term. |
| up to 84 months | 5.00% | Model Year 2024-2020. Minimum loan amount of $30,000 for 84 month term. |
| up to 36 months | 4.00% | Model Year 2019 or Older. |
| up to 48 months | 4.25% | Model Year 2019 or Older. |
| up to 60 months | 4.50% | Model Year 2019 or Older. |
| up to 72 months | 5.00% | Model Year 2019 or Older. Minimum loan amount of $20,000 for 72 month term. |
Sources (1)
- alleganyfirstfcu.com/loan-rates · captured Oct 5, 2026
Who can join Allegany First
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.