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Credit union · NCUA insured

AmeriCU Credit Union Auto Loan Rates

Top Carrot, Carrot Score 91Top Carrot

AmeriCU Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.

How AmeriCU Credit Union’s auto loan rates compare

Compared with banks and credit unions near Syracuse, NY, where AmeriCU Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 91

    This credit union’s lowest

    AmeriCU Credit Union

    4.74%APR

    Terms
    up to 84 months

    Vehicle Loans

  • Top Carrot, Carrot Score 88

    Lowest rate

    Access Federal Credit Union

    3.99%APR

    Terms
    49–60 months

    Access Federal Credit Union rates

  • Top Carrot, Carrot Score 94

    2nd-lowest rate

    G.P.O. Federal Credit Union

    3.99%APR

    Terms
    61–66 months

    G.P.O. Federal Credit Union rates

Compare auto loan rates near you →

AmeriCU Credit Union auto loan score

87

Auto loan score

Higher than 80% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.74%
  • Used vehicleUsed4.74%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where AmeriCU Credit Union ranks

By auto loan score, in each area where it has branches

And 1 more area →

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.

Who can join AmeriCU Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • AmeriCU Credit Union has a Field of Membership footprint covering 51 counties across New York State.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← AmeriCU Credit Union overview