Credit union · NCUA insured
Auburn Community Federal Credit Union Auto Loan Rates
Top CarrotAuburn Community Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Auburn Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Auburn, NY, where Auburn Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Auburn Community Federal Credit Union
4.99%APR
- Terms
- 49–60 months
- Up to
- —
New Auto Loan (Model Years 2024 and Newer)
Lowest rate
Nucor Employee's Credit Union
4.49%APR
- Terms
- —
- Up to
- 5.49% APR
2nd-lowest rate
AmeriCU Credit Union
4.74%APR
- Terms
- up to 84 months
- Up to
- —
Auburn Community Federal Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Auburn Community 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 Auto Loan (Model Years 2024 and Newer)
Applicants must be an Auburn Community Federal Credit Union member in good standing and meet lending guidelines. Loan maximum up to 100% of vehicle purchase price plus sales tax and/or extended warranty. Repayment terms up to 7 years. Rate is determined by applicant credit, payment history, and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | — |
| 37–48 months | 4.99% | — |
| 49–60 months | 4.99% | — |
| 61–72 months | 5.24% | Loan terms in excess of 60 months require a loan amount in excess of $20,000. |
| 73–84 months | 5.99% | Loan terms in excess of 72 months require a loan amount in excess of $35,000. |
Sources (2)
All captured Oct 16, 2026
New Motorcycle Loan (Model Years 2024 and Newer)
Loan terms in excess of 60 months require a loan amount in excess of $20,000. Loan terms in excess of 72 months require a loan amount in excess of $35,000. Rates subject to change without notice. Rate is determined by applicant credit, payment history, and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | — |
| 37–48 months | 4.99% | — |
| 49–60 months | 4.99% | — |
| 61–72 months | 5.24% | Loan terms in excess of 60 months require a loan amount in excess of $20,000. |
| 73–84 months | 5.99% | Loan terms in excess of 72 months require a loan amount in excess of $35,000. |
Sources (1)
- auburnfcu.com/loan-rates-auburn-ny/auto-loan-rates · captured Oct 16, 2026
Used Auto Loan (Model Year 2016 - 2018)
Minimum loan amount $5,000.00. Applicants must be an Auburn Community FCU member and fulfill lending guidelines. Covers a maximum of 100% of the vehicle purchase price plus sales tax and/or extended warranty. Rate is determined by applicant credit, payment history, and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | Minimum Loan Amount: $5,000.00 |
| 37–48 months | 6.99% | Minimum Loan Amount: $5,000.00 |
Sources (2)
All captured Oct 16, 2026
Used Auto Loan (Model Years 2019 to 2023)
Applicants must be an Auburn Community FCU member and fulfill lending guidelines. Covers a maximum of 100% of the vehicle purchase price plus sales tax and/or extended warranty. Rate is determined by applicant credit, payment history, and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | — |
| 37–48 months | 5.24% | — |
| 49–60 months | 5.49% | — |
| 66–72 months | 6.24% | Loan terms in excess of 60 months require a loan amount in excess of $20,000. |
| 73–84 months | 6.99% | Model Years 2019 - 2023 Only. Loan terms in excess of 72 months require a loan amount in excess of $35,000. |
Sources (2)
All captured Oct 16, 2026
Used Motorcycle Loan (Model Years 2016 - 2018)
Minimum Loan Amount: $5,000.00. Rates subject to change without notice. Rate is determined by applicant credit, payment history, and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | Minimum Loan Amount: $5,000.00 |
| 37–48 months | 6.99% | Minimum Loan Amount: $5,000.00 |
Sources (1)
- auburnfcu.com/loan-rates-auburn-ny/auto-loan-rates · captured Oct 16, 2026
Used Motorcycle Loan (Model Years 2019 to 2023)
Loan terms in excess of 60 months require a loan amount in excess of $20,000. Loan terms in excess of 72 months require a loan amount in excess of $35,000. Rates subject to change without notice. Rate is determined by applicant credit, payment history, and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | — |
| 37–48 months | 5.24% | — |
| 49–60 months | 5.74% | — |
| 61–72 months | 6.24% | Loan terms in excess of 60 months require a loan amount in excess of $20,000. |
| 73–84 months | 6.99% | Model Years 2019 - 2023 Only. Loan terms in excess of 72 months require a loan amount in excess of $35,000. |
Sources (1)
- auburnfcu.com/loan-rates-auburn-ny/auto-loan-rates · captured Oct 16, 2026
Who can join Auburn Community 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
- Eligibility is open to anyone who lives, works, worships, attends school, or operates a business in Cayuga County, Onondaga County, Madison County, or Oswego County.
Family and household
- Family members of Auburn Community FCU members and surviving family members (including immediate family members or spouses) of deceased members are eligible for membership.
Cost to join
- A savings account with a minimum deposit of $5 is required to establish membership.
Membership information collected October 5, 2026.